US Bank Prequals

[A1Credit]

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@Gregory1776wrote:

Now I got to get some....😏

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Yes, join me! 🥂

[UncleB]

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@Gregory1776wrote:

Been sitting here thinking I hijacked someone’s old thread and it’s mine lolol 🤪

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Yep, it's yours... I helped you out with that.  (Gotta keep the app talk outta the Garden!) 

[bk13girl]

Please let us know what happened. I got the same offers too and I am awaiting for Transunion/Experian to update my scores since I paid down my utlization before applying.

It will be interesting to see if you get it or not. 

[Gregory1776]

Opened up CK, Scores shot up 20 points.... got hyped but no new account on the report...

[Anonymous]

*shakes head* US Bank dislikes me. I've never gotten a single prequal in all the time I've been checking that site.

[imaximous]

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@Gregory1776wrote:

Opened up CK, Scores shot up 20 points.... got hyped but no new account on the report...

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If you're expecting the account to report, it won't be that quickly. US Bank reports at the end of month. So if you got approved, you won't see the account till end of april. Also, not sure if you care or not, they don't report at the end of your billing cycle.

[Gregory1776]

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@imaximouswrote:

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@Gregory1776wrote:

Opened up CK, Scores shot up 20 points.... got hyped but no new account on the report...

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If you're expecting the account to report, it won't be that quickly. US Bank reports at the end of month. So if you got approved, you won't see the account till end of april. Also, not sure if you care or not, they don't report at the end of your billing cycle. 

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Thanks for the info! Definitely better to pay my bills at the end of the month and all over the month.....

[imaximous]

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@Gregory1776wrote:

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@imaximouswrote:

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@Gregory1776wrote:

Opened up CK, Scores shot up 20 points.... got hyped but no new account on the report...

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If you're expecting the account to report, it won't be that quickly. US Bank reports at the end of month. So if you got approved, you won't see the account till end of april. Also, not sure if you care or not, they don't report at the end of your billing cycle. 

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Thanks for the info! Definitely better to pay my bills at the end of the month and all over the month.....

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Also keep in mind that if for some reason you need or want to show a 0 balance, it's not enough to pay your statement balance. They report your current balance as of the last business day of month.

[TiggerDat]

Curious on the outcome!

I would not suggest you call to find out!  I applied for the Cash+ card once and was denied.  Got a card with Elan, which is another division of US Bank and had it for about 2 years.  Applied again for the Cash+, got approved for the Cash card instead, called out of joy to find out simple things like APR, foreign transaction fees, etc., didn't ask the credit limit, and got flagged for fraud.  LOL!  Last year I was prequalified for the Cash+ and applied and got the card, didn't call, just waited until I got the card with the $500 starting limit.  I wasn't going to push it!  I wasn't going to mention that I have banked with Elan/US Bank, nothing, just called and asked about how CLI's work.  Just figured in a few years when I come back from China I would ask for small increases and build it up.  Must rent cars when I come home, so I want this to be the card for that!

[Gregory1776]

WELL FOLKS, gave them a call, Need to talk to verification tomorrow and go from there. Stay tuned if your interested. 😝😁🤓