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Which card to apply for- TD Bank Cash or US Bank Cash+

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New Member

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

So my Equifax has updated to reflect my new balance and limit with my discover, but Transunion has not. This is on Credit Karma (I know that doesn't give me my FICO but I like how it'll break everything down for me. I get the scores elsewhere). Would it be safe to assume TU has this new information but CK just hasn't reflected it yet?
Message 11 of 18
Frequent Contributor

Re: Which card to apply for- TD Bank Cash or US Bank Cash+


@achunt2143 wrote:
So my Equifax has updated to reflect my new balance and limit with my discover, but Transunion has not. This is on Credit Karma (I know that doesn't give me my FICO but I like how it'll break everything down for me. I get the scores elsewhere). Would it be safe to assume TU has this new information but CK just hasn't reflected it yet?

If EQ just updated, probably not. TU is the CRA that takes the longest to update changes once it receives them. EX is the fastest, EQ follows shortly after and TU can take a good 5 business days or more to update. Wallethub offers free daily TU pulls (just ignore the VantageScore it provides) so you can see the exact day your TU updates.  

Chase Sapphire Reserve 18.5k
Barclays Aviator Red 4k
Citi AAdvantage Platinum Select 12k
Amazon Store Card 10k
Chase Freedom Unlimited 11.7k

Fico 8s as of 01/18/2020:




Message 12 of 18
New Member

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

Thanks for the tip! I'll check them out
Message 13 of 18
Established Contributor

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

When it comes to reports it is always whatever is written is what is written at the moment in time. Since TU has not updated yet on your report then it has not been updated at TU at the time that report was requested.

 

When my changes report it is common that some lenders will update everywhere at the same time but some will update cascading with TU dead last. My Discover changes usually cascade. I would guess they will update in the next week.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V(Milford Federal), US Bank Cash+ VS
Wishlist: Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 14 of 18
Valued Contributor

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

USB pulls CRA based on your geo location. They’re an EQ puller in TX. Just a lil FYI.
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 15 of 18
New Member

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

Thanks to everyone who gave me advice on the US Bank card. I let my discover report and ended up waiting to see how my student loans reported a payment. Just applied a few minutes ago and was instantly approved for $5000! I saw an offer on Nerdwallet that said if I apply through them I'd get 12 months into APR of 0%! They ended up pulling my EQ which isn't the worst thing. I'm in SC so just a heads up for anyone who applies.
Message 16 of 18
Established Contributor

Re: Which card to apply for- TD Bank Cash or US Bank Cash+


@achunt2143 wrote:
Thanks to everyone who gave me advice on the US Bank card. I let my discover report and ended up waiting to see how my student loans reported a payment. Just applied a few minutes ago and was instantly approved for $5000! I saw an offer on Nerdwallet that said if I apply through them I'd get 12 months into APR of 0%! They ended up pulling my EQ which isn't the worst thing. I'm in SC so just a heads up for anyone who applies.

Good move.

TD Bank is extremely conservative with SCL and CLI's.

It is well known for stagnation.

US Bank is also but not anywhere as bad.

Congrats.

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 17 of 18
Moderator

Re: Which card to apply for- TD Bank Cash or US Bank Cash+

Congrats on the approval @achunt2143. Well done!

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.
Message 18 of 18
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