cancel
Showing results for 
Search instead for 
Did you mean: 

US Bank approval chances?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Frequent Contributor

US Bank approval chances?

I apped Sunday for the USB cash+ I have had the platinum for about a month, I’ve thought about just doing a PC but I really like the 20 months of 0% interest even though I don’t intend on carrying a balance. I’ve ran a little over 1k through the platinum so far and carrying a 150.00 balance right now which I’ll address in a few days. I did call since the system can’t find the application and spoke with a lady about it. She explained that since I have an approved card already it won’t show up in the system and it’ll take about 3-5 days. Any one else have a similar experience with USB! If so, what was the outcome?

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Discover it 5k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 1 of 29
28 REPLIES 28
Valued Contributor

Re: US Bank approval chances?

yeah, their status line sucks.  I put in 2 apps and it never picked them up.  Just ask for someone to talk to.  As to the previous approval knicking it out of the system.... I think that is a bogus answer.

 

Just keep pestering them for an update and they're kind of slow with things but, eventually you'll get an outcome out of them and then decide if it's worth a recon attempt depending on the answer they give you.

500K+ TCL / 800+ FCOs
Message 2 of 29
Valued Contributor

Re: US Bank approval chances?

Also, I often find that they are slow with communication if you are approved. Check online and see if the card is listed. If you are approved, it generally shows up before they let you know.
Message 3 of 29
Frequent Contributor

Re: US Bank approval chances?

Ok, just hung up with them, the guy said “everything looks good and is moving along nicely, it looks like it’s leaning towards approval” just waiting on final approval basically the way he made it sounds. I keep checking my app and the actual website - nothing as of yet. They definitely march to the beat of their own drum!

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Discover it 5k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 4 of 29
Super Contributor

Re: US Bank approval chances?

Lol the app status line can’t find my application either. I don’t know that I want to bother them so I guess I’ll just forget about it and see what happens.

They certainly do seem to take their time with these things!


01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 29
Frequent Contributor

Re: US Bank approval chances?

I just keep logging in and checking to see if it’s added, at this point it’s all I can do. I’ll advise what happens either way.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Discover it 5k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 6 of 29
Frequent Contributor

Re: US Bank approval chances?

So I spoke with the verification department this morning passed that now on to underwriting for either approval or denial. He did say I should have something within 24 hours, most likely today and I’d get an email letting me know 🤞


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Discover it 5k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 7 of 29
Valued Contributor

Re: US Bank approval chances?

US Bank is known to take some time on their applications, most of the time, it either has verification and/or underwriting. Generally, it's best to give at least 3-5 days for any US Bank application.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 8 of 29
Highlighted
Frequent Contributor

Re: US Bank approval chances?

What FICO Score do they use? I’ve seen a couple of comments on here saying they use Fico 9.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Discover it 5k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 9 of 29
Valued Contributor

Re: US Bank approval chances?

Generally - depending on state - they are a known TU puller. But there has been instances/states where they have pulled EQ/EX.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 10 of 29
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.