anyone with US Bank application/approval experience?

[Anonymous]

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@Ghoshida wrote:

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@odd_dog wrote:

So today I got a "pre-approval" from US Bank Perk + card (I know bad rewards) BUT this offer was spend $500 get 20,000 point ($200) no 2x for the first year though....and 15 months 0%  I apped...here is where I need your experience...it did not approve, said it needs time, but after that screen the next asked me if I want to add a AU and any BT....is that normal with USB when they do not approve instantly? Thanks

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I have two cards with US Bank. REI Visa and Cash+. The REI was applied for more than a year ago; I don't exactly remember how it went but I don't think it was instant.

With Cash+, it was app through phone. The phone lady was nice and told me their system showed recommended approval but it needed to go through verification. That dept kept my app for 7 "business" days. 

I did finally get the Cash+. 

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Congrats on your new US Bank Cash+

[odd_dog]

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@Ghoshida wrote:

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@odd_dog wrote:

So today I got a "pre-approval" from US Bank Perk + card (I know bad rewards) BUT this offer was spend $500 get 20,000 point ($200) no 2x for the first year though....and 15 months 0%  I apped...here is where I need your experience...it did not approve, said it needs time, but after that screen the next asked me if I want to add a AU and any BT....is that normal with USB when they do not approve instantly? Thanks

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I have two cards with US Bank. REI Visa and Cash+. The REI was applied for more than a year ago; I don't exactly remember how it went but I don't think it was instant.

With Cash+, it was app through phone. The phone lady was nice and told me their system showed recommended approval but it needed to go through verification. That dept kept my app for 7 "business" days. 

I did finally get the Cash+. 

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Glad you got the Cash+ I love that card... I wish US Bank would understand the Importance of INSTANT GRATIFICATION!!!  LOL

[Ghoshida]

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@ArmyVietVet wrote:

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@Ghoshida wrote:

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@odd_dog wrote:

So today I got a "pre-approval" from US Bank Perk + card (I know bad rewards) BUT this offer was spend $500 get 20,000 point ($200) no 2x for the first year though....and 15 months 0%  I apped...here is where I need your experience...it did not approve, said it needs time, but after that screen the next asked me if I want to add a AU and any BT....is that normal with USB when they do not approve instantly? Thanks

---

I have two cards with US Bank. REI Visa and Cash+. The REI was applied for more than a year ago; I don't exactly remember how it went but I don't think it was instant.

With Cash+, it was app through phone. The phone lady was nice and told me their system showed recommended approval but it needed to go through verification. That dept kept my app for 7 "business" days. 

I did finally get the Cash+. 

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Congrats on your new US Bank Cash+

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Thanks. It was one of the two cards I had been contemplating for a while, the other being the CSP. Last month, I unfroze my EX and was able to get both. Both needed some verification. CSP was approved next day by phone call; Cash+ took a while.

[Ghoshida]

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@odd_dog wrote:

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@Ghoshida wrote:

---

@odd_dog wrote:

So today I got a "pre-approval" from US Bank Perk + card (I know bad rewards) BUT this offer was spend $500 get 20,000 point ($200) no 2x for the first year though....and 15 months 0%  I apped...here is where I need your experience...it did not approve, said it needs time, but after that screen the next asked me if I want to add a AU and any BT....is that normal with USB when they do not approve instantly? Thanks

---

I have two cards with US Bank. REI Visa and Cash+. The REI was applied for more than a year ago; I don't exactly remember how it went but I don't think it was instant.

With Cash+, it was app through phone. The phone lady was nice and told me their system showed recommended approval but it needed to go through verification. That dept kept my app for 7 "business" days. 

I did finally get the Cash+. 

---

Glad you got the Cash+ I love that card... I wish US Bank would understand the Importance of INSTANT GRATIFICATION!!!  LOL

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Thanks.

With me, it's been very few banks that've given instant acceptance. Instant decline was more like it; and I've never got recon success (actually, only tried once, with Freedom, through my banker, and it failed). 

The last good instant success was Barclays Sallie Mae with a 3k starting limit. AMEX BCE was instant too, but with 1k only. 

Chase always gives me an app number and a phone number to call where they cite the Patriot Act to do checks. Generally, when it goes to that stage, it has meant approval with them. Strange as I have checking and savings with them; but I guess the departments don't act together very well.

[odd_dog]

I am finding it odd that no CR was pulled on all three reports.....things that make you go hummmmmmmmm

[Anonymous]

I got instant approval via a cold application on the telephone. 15,000 credit limit.

[odd_dog]

THANKS to all, especially Coldnmn I logged in to my US Bank online account and the Perks+ is there, called the app status line and they confirmed approved, no CL though, I really dislike that about USB, even online they do not tell you your CL, oh well just happy to get the deal and card....I may have to go back to the garden for at least a YEAR, well if they will even have me back!!

[jefftca925]

Congrats on the approval! Yes, USB is painfully slow but the good news is that you most likely got a Siggy since the limit isn't there. You can call the app status line and speak to an UW and they can tell you the limit.  I recently got their Travel card and it took about 2 weeks to process but ended up with a $17k limit.  They are slow but generous with CLs.

[odd_dog]

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@jefftca925 wrote:

Congrats on the approval! Yes, USB is painfully slow but the good news is that you most likely got a Siggy since the limit isn't there. You can call the app status line and speak to an UW and they can tell you the limit.  I recently got their Travel card and it took about 2 weeks to process but ended up with a $17k limit.  They are slow but generous with CLs.

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Thanks jefftca925! it is a Sig, it states that on my online accounts....I am off all next week so I will wait for the mail to come to find out my CL, at this point CL's aren't that important I PIF anyway so 5K is even enough for me!!  LOL  

[uswala]

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@odd_dog wrote:

THANKS to all, especially Coldnmn I logged in to my US Bank online account and the Perks+ is there, called the app status line and they confirmed approved, no CL though, I really dislike that about USB, even online they do not tell you your CL, oh well just happy to get the deal and card....I may have to go back to the garden for at least a YEAR, well if they will even have me back!!

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Congrats!