Welp, I did it (US Bank Cash+)

[mikelo22]

One part of me kept saying, "DON'T DO IT!" but I just couldn't help myself!!

I app'd for the US Bank Cash+.  Unsurprisingly, I received the 7-10 days message, stating my the application is subject to further review.  So what's my next step?  Do I call in immediatlely or do I wait a day or two?  

I see others have had luck in the past with reconning, so hoping maybe I have the same fortune, but wasn't sure what my best route to take would be. 

[Anonymous]

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@mikelo22 wrote:

One part of me kept saying, "DON'T DO IT!" but I just couldn't help myself!!

I app'd for the US Bank Cash+.  Unsurprisingly, I received the 7-10 days message, stating my the application is subject to further review.  So what's my next step?  Do I call in immediatlely or do I wait a day or two?  

I see others have had luck in the past with reconning, so hoping maybe I have the same fortune, but wasn't sure what my best route to take would be. 

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I believe that is pretty standard for US Bank. I would call them for sure, which I'm sure I did the same thing when I got that message.

[mikelo22]

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@Anonymous wrote:

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@mikelo22 wrote:

One part of me kept saying, "DON'T DO IT!" but I just couldn't help myself!!

I app'd for the US Bank Cash+.  Unsurprisingly, I received the 7-10 days message, stating my the application is subject to further review.  So what's my next step?  Do I call in immediatlely or do I wait a day or two?  

I see others have had luck in the past with reconning, so hoping maybe I have the same fortune, but wasn't sure what my best route to take would be. 

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I believe that is pretty standard for US Bank. I would call them for sure, which I'm sure I did the same thing when I got that message.

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Do you know what number you called?  I'm seeing several different ones on the Backdoor #'s Sticky, so I'm not sure which one is appropriate. 

[coldnmn]

US Bank manually reviews 99% of all applications.  I would give it 4 or 5 days. Status number is 1-800-947-1444 option 1. Good Luck!

[mikelo22]

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@coldnmn wrote:

US Bank manually reviews 99% of all applications.  I would give it 4 or 5 days. Status number is 1-800-947-1444 option 1. Good Luck!

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Thanks for the info!  Guess I will wait it out a bit then.  I figured this was par for the course with US Bank.

[Existentialist]

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@coldnmn wrote:

US Bank manually reviews 99% of all applications.  I would give it 4 or 5 days. Status number is 1-800-947-1444 option 1. Good Luck!

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Ditto.

[NY2014]

I would call the status # and it would let you know either still under review or denied and you have the option to speak with a rep and find out either the progress or need more info .
It does not hurt to inquire . Had the same situation today with my business app. I thought I was denied due to an email stating they could not approve me and a letter I'll receive 7-10 days I called and reasons I had my Credit report unlocked and they only want me to unlock my credit report. Do you know if they pulled you credit report already ? If so what credit report they pulled ? I'm curious because they wanted all three unlocked I only unlocked my TU . Was told there reason why all had to be open because the system choices . I guess the system in me didn't chose TU .

[mikelo22]

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@NY2014 wrote:
I would call the status # and it would let you know either still under review or denied and you have the option to speak with a rep and find out either the progress or need more info .
It does not hurt to inquire . Had the same situation today with my business app. I thought I was denied due to an email stating they could not approve me and a letter I'll receive 7-10 days I called and reasons I had my Credit report unlocked and they only want me to unlock my credit report. Do you know if they pulled you credit report already ? If so what credit report they pulled ? I'm curious because they wanted all three unlocked I only unlocked my TU . Was told there reason why all had to be open because the system choices . I guess the system in me didn't chose TU .

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No, I'm not yet sure which CR they pulled. I'll probably find that out in a day or two I'm guessing.  I'm hoping it's TU.  And thanks, I shall follow that advice. 

[jzamarripa3220]

I revived the same message when applying for the Cash +, a few months ago. I was reaching IMO. And I was thinking that U.S. Bank was more conservative than other banks but luckily I was approved. Also, I think my app was pending for five whole days at the time.

[TiggerDat]

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@mikelo22 wrote:

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@NY2014 wrote:
I would call the status # and it would let you know either still under review or denied and you have the option to speak with a rep and find out either the progress or need more info .
It does not hurt to inquire . Had the same situation today with my business app. I thought I was denied due to an email stating they could not approve me and a letter I'll receive 7-10 days I called and reasons I had my Credit report unlocked and they only want me to unlock my credit report. Do you know if they pulled you credit report already ? If so what credit report they pulled ? I'm curious because they wanted all three unlocked I only unlocked my TU . Was told there reason why all had to be open because the system choices . I guess the system in me didn't chose TU .

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No, I'm not yet sure which CR they pulled. I'll probably find that out in a day or two I'm guessing.  I'm hoping it's TU.  And thanks, I shall follow that advice. 

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They pulled Equifax for me.