USBank Application Question

[Absolution16]

If it has been more than 3 business days since application, does calling USBank to check the status of the application help in any ways to possibly reduce the wait time for having to wait for the letter in the snail mail?  For example, if the application were to continue to be in pending status due to their need for identification verification, do they tell you about this and help you with the verification over the phone BEFORE you receive the letter?  Or do they INSIST on waiting for the letter first before doing anything to proceed any further?

Just asking since it seems as though, unlike other banks, based on numerous datapoints I have read, that USBank seems to INSIST on having you to wait for the letter and REFUSE to do anything until you receive the letter?

[M_Smart007]

@Absolution16, It would not hurt to call and ask a CSR , say you applied,

and could they check the "Status" to see if "They" can see the card in the system?

As that would tell you if it had already been approved.

I have done this in the past.

Just FYI, US Bank does not usually do anything fast, with the exception being "HP's"

[Traveler101]

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@M_Smart007 wrote:

@Absolution16, It would not hurt to call and ask a CSR , say you applied,

and could they check the "Status" to see if "They" can see the card in the system?

As that would tell you if it had already been approved.

I have done this in the past.

Just FYI, US Bank does not usually do anything fast, with the exception being "HP's"

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Soooooo true. I have some spare walkers around here I should donate. They aren't so bad of an institution, it's that they have an archaic way of doing it.

[Absolution16]

@Traveler101 

@M_Smart007 

Thank you.  I will try giving them a call on Monday and see where things stand.  I hope they don't WITHHOLD anything from me and make me have to wait for the snail mail.

[Traveler101]

Good luck. The csr was very helpful with me. Mine was an ip Addy issue. The rep worked it out while I was on the phone. Hopefully it's just an identity issue. Good luck

[Absolution16]

@Traveler101 

Ah... so they track IP address from where the application was initiated?  I have recently run into similar situation with Synchrony, but I thought it was due to Synchrony being their usual PITA.

I did notice that USBank also sort of has this website that allows applicants to upload photos of ID and a selfie, just like how Synchrony does it.  I have not run across anyone who mentioned that they had to use that website though.

Most recently, BoA "approved" me for a card over the phone with a simple text message verification, only to turn around and reverse that decision within a matter of 1 hour, without telling me.  Had I not checked the verification status website just for visual confirmation, I wouldn't have known until the snail mail arrived.  I would have fully expected the new card in the mail, only to be met with additional request to submit SSA-89, 2 paystubs, and most recent tax return.  Since I already got approved with WF by the time the snail mail arrived, I ignored that request, as I am not releasing my tax return for a mere credit card application.

[Traveler101]

Yep. Ip Addy showed up from another location than from where I had applied. Then was asked a few identity questions and about 30 minutes later came the approval email. I was actually dealing dealing with the cc dept on the main line. All done after hours because the rep had seen what had happened. It must be they have some way of telling. I wasn't dealing with the underwriter dept at that point. They were closed. My approval came in at about 7pm. I guess you can't fault them for that. Security and all the scams going on. Hope you get it.

[Absolution16]

@Traveler101 

Afterhours call with a regular customer service agent?  Wow that is surprising.  Were you already a USBank customer with other products from them?  My application was a cold app; no prior relationship with them.

[Traveler101]

Nope. Cold app here. I opened up checking with them about a week later. He was able to see the problem and looked over everything else. Not sure if it's the same issue for you. I do know, I wasn't the first to experience that, and probably not the last. He replied I got you covered and approval email shortly after. They must have a way to see the reason for possible decline. I received a letter about a week later telling me of the situation but I already had it fixed.

[Absolution16]

@Traveler101 

USBank's "General Customer Service" number for credit cards is listed as 800-285-8585.  I know they have a specific different number for application status that connects with UW.  I wonder if it would work calling that "general" number now?  UW people at USBank seem to be very stiff and not overly friendly.