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🧦 Bank Shopper Cash Rewards Approval

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ChargedUp
Senior Contributor

🧦 Bank Shopper Cash Rewards Approval

I didn't think I was going to get this one with USB using weirdo TU models. App'ed and it went to 7-10 day you'll get a letter... No letter showed but this landed in my email today.

I'm assuming the SL is $10K. TU08 - 812, 0/6, 4/12, 10/24

 

USB approval.png

Message 1 of 14
13 REPLIES 13
FlaDude
Valued Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

Congrats on the new card and SL!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 2 of 14
Snook_on_the_Line
Established Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

Congratulations 🎈🎉🎊 on your new card.    

do you have accounts with us bank or did you just cold app for the card?

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 5k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $118,900


Message 3 of 14
ChargedUp
Senior Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

Cold app.

 

I do have $45K in Elan CL's which I don't know if that history played into this.

Message 4 of 14
FicoMike0
Valued Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

Congratulations! They claim the card lights up. I haven't tried mine yet.

Message 5 of 14
cashorcharge
Community Leader
Super Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Message 6 of 14
ChargedUp
Senior Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval


@FicoMike0 wrote:

Congratulations! They claim the card lights up. I haven't tried mine yet.


Like glow in the dark? Most credit cards have security features that show up under black light.

Message 7 of 14
DoppelgangerD
Regular Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval


@ChargedUp wrote:

I didn't think I was going to get this one with USB using weirdo TU models. App'ed and it went to 7-10 day you'll get a letter... No letter showed but this landed in my email today.

I'm assuming the SL is $10K. TU08 - 812, 0/6, 4/12, 10/24

 

USB approval.png


Yeah you're spending limit is dramatically reduced on approval, but they will let you use it in digital wallets right away.

You might get an email about it or see it in the USB app.

Then when you receive and activate the physical card, your full credit line of $10k will be active.

 

Sorry I can't remember off hand what the temporary credit line was for me or what percentage it was, just that is was smallish (?). Again, it might show the amount in the USB app / web page.

Message 8 of 14
CreditAggie
Community Leader
Super Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval

Congratulations on your US Bank approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (January 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 14
NoHardLimits
Established Contributor

Re: 🧦 Bank Shopper Cash Rewards Approval


@ChargedUp wrote:

@FicoMike0 wrote:

Congratulations! They claim the card lights up. I haven't tried mine yet.


Like glow in the dark? Most credit cards have security features that show up under black light.


No, it's more like a small LED that lights up during tap-to-pay transactions.

Feb 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 2/12, 3/24 | Util: 1% | DTI: 1%
Message 10 of 14
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