Finally... US Bank Cash+ email notification

Anonymous · ‎08-02-2018

So i was checking the pre-approval pages, and while it didnt say i was, it did have a single APR on it. I know USB is sensative to alot of new accts and inq's, but with a single APR i tried anyways and submitted my app... Fast forward 10 DAYS later, i get an email at 945pm...

Congrats, your Cash+ is approved. (they dont give you limit or APR) So today i called in to see what i got expecting the 500 crap limit most ppl get and i was set to recon for a larger limit. I called to find out, and i got without recon....

5500 SL 12mo/0% I forgot to ask about the spend bonus. Not sure with my marginal scores if i would even want to recon SL.

DP's

Pulled TU (i've heard they use TU4) so it was 684, but recently dropped to 665.

new accts: 5/6mo, 13/12mo

overall UTI: 10%

Income: low-ish.

Previous US Bank cust: 14 days LOL

Rest can be found in siggy.

Anonymous · ‎08-02-2018

Congrats on your approval and very nice SL !!!!!

Anonymous · ‎08-02-2018

Congrats on the approval. It looks like having a relationship does actually help. I also had heavy new card activity during the first half of this year (7/6mo) and they approved me for a business card last week. I was totally expecting a denial or a need to recon. I feel like the difference was a checking that's been open for a while, even though I don't use it. They wouldn't give me an Altitude in March but the account had only been open for a couple of weeks then with only a small intial deposit.

Nevertheless, congrats on the nice approval and skipping the toyish $500 limit!

Anonymous · ‎08-02-2018

Congrats on the approval after the long wait! And at least you didn't get the $500 special like I did.

Anonymous · ‎08-02-2018

Jago. Doin the Bull dance, feelin the flow. Congrats 🍾🎊🎉🎈🥓🥓< I threw you a couple extra slices.

Anonymous · ‎08-02-2018

@Anonymous wrote:
Congrats on your approval and very nice recon SL !!!!!

Thanks.. that was the SL they gave me, i didnt have to recon. not sure if i should recon

Anonymous · ‎08-02-2018

@Anonymous wrote:
Jago. Doin the Bull dance, feelin the flow. Congrats 🍾🎊🎉🎈🥓🥓< I threw you a couple extra slices.

Thanks MB.

Anonymous · ‎08-02-2018

@Anonymous wrote:
Congrats on the approval after the long wait! And at least you didn't get the $500 special like I did.

Thanks and congrats to you too. Not sure why you got the 500 special, you have cards with nice limits on them? Plus better scores..

AverageJoesCredit · ‎08-02-2018

Congrats Buddy

No need to recon time to BACON!!!

I dont know, I think $5500 is overrated. More people should strive for the $500 limit. Its liberating. After having thousand dollar limits , nothing beats my $300 cl. Use , pif, back to zero and rinse and repeat. Actually kind of fun. LowLimits is on to something.

Jago just be glad this wasnt a Banco de Brazil adventure, M8

Caught750 · ‎08-02-2018

Yes!!! This lol. I told you it would be fine!