Well, I winged it and tried for US Bank Cash+....

[Wavester64]

...and I got the following after clicking submit:

We're reviewing your U.S. Bank Cash+™ Visa Signature® Card application. We appreciate your patience.

What to Expect Next

You'll receive an application decision by U.S. Mail in the next 7–10 days. For your security, you might also receive an alert that you submitted an application.

..I am guessing that's a fancy way of saying declined?

[Remedios]

Could be denial, mine looked just like that, or it could be undergoing manual review 

Did you call them? 

If denial is for reasons other than new accounts it's possible to get UW to change their mind. 

Denials for new accounts are not typically followed by successful recon, but you can try anyway

If you do call, call UW services.

If you call plain customer service number, they will forward your request, but another HP is almost certain.

If you get to talk to UW, there is a chance they wont have to pull your credit again (though it may happen). 

[dragontears]

90% of all applications with US Bank goes through manual review. The 7-10 day notice just means it is going to manual review and no decision has been made yet. 

[Wavester64]

Thanks. At least that means I am still in the running.

[Remedios]

Not necessarily 

When I applied, that was the message on my screen. I called right away, there was no manual review, already auto denied by the system. 

I avoided a second HP because i got to talk to UW

If you call and they tell you it's in review, wonderful.

If it's denied, you have a chance to do something. 

Up to you. Good luck. 

[Wavester64]

So you're saying it's better to call than wait?

If I call, what would be the # to call?

[M_Smart007]

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@Wavester64 wrote:

So you're saying it's better to call than wait?

If I call, what would be the # to call?

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@Wavester64  US Bank: 800-947-1444, 800-685-7680 (Underwriting)

ETA: I would call!  .. Good Luck!

[Wavester64]

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@M_Smart007 wrote:

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@Wavester64 wrote:

So you're saying it's better to call than wait?

If I call, what would be the # to call?

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@Wavester64  US Bank: 800-947-1444, 800-685-7680 (Underwriting)

ETA: I would call!  .. Good Luck!

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Thanks :-) I called and unfortunately I was denied for too many accounts in a 12-month period.

Oh well, now I am definitely gardening for sure :-/

[Anonymous]

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@Wavester64 wrote:

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I was denied for too many accounts in a 12-month period.

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How many was too many? and condolences  -- better luck next time. 

[Remedios]

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@Wavester64 wrote:

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@M_Smart007 wrote:

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@Wavester64 wrote:

So you're saying it's better to call than wait?

If I call, what would be the # to call?

---

@Wavester64  US Bank: 800-947-1444, 800-685-7680 (Underwriting)

ETA: I would call!  .. Good Luck!

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Thanks :-) I called and unfortunately I was denied for too many accounts in a 12-month period.

Oh well, now I am definitely gardening for sure :-/

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Sorry about your denial.

I thought I recognized that message  😐

When I was denied, I only had two new accounts in the previous year. 

My recon was successful, but at that time they were still willing to review apps unless "excessive"

They've tightened UW criteria since than, so I wouldn't apply agan unless it's something like 1-2 accounts in the past year. 

Sorry again ☹