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HILARIOUS welcome email from USBank!! ($2k Platinum)

805orbust
Valued Contributor

HILARIOUS welcome email from USBank!! ($2k Platinum)

Can't make this up.  They must have comedians working over there.  They approved my Platinum invitation for $2,000.  Apparently they think I can use it for ALL my purchases!  Smiley Very Happy

 

Some Datapoints:   (from today)

 

Inq's:

EQ:  6/12
TU:  0/12

EX:  6/12

 

Scores:  

EQ8:  730

TU8:  763

EX8:  735

 

EQ9:  752

TU9:  774

EX9:  743

 

Aggregate CC Util: 13%

 

2 new auto loan accounts: USBank - 11 months - 70%,  Penfed - 5 months - 65%

REI MC (US Bank, $6500 limit) taken over by CapOne in Aug, was my only other US Bank account

 

2 new cc's:  Aspiration Zero - 10 months,  FNBO Evergreen - 10 months

 

USB welcome.jpg

 

 



Message 1 of 25
24 REPLIES 24
SDMarik
Established Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

Congrats on the approval! It was likely the # of inquiries and the 2/12 that lead to the low SL. They have been super conservative lately with everything going on in the economy.



"When prosperity comes, do not use all of it"
Message 2 of 25
PullingMeSoftly
Valued Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

Congrats on the approval, still a decent SL but you can always call recon to have it reviewed.







Message 3 of 25
805orbust
Valued Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback.  Is it worth doing recon?  I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?

 

 



Message 4 of 25
PullingMeSoftly
Valued Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)


@805orbust wrote:

@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback.  Is it worth doing recon?  I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?

 


@805orbust Super easy, just call the backdoor # to underwriting listed in the Applications forum. You can mention the basic facts (like no new accounts in 12 mo), that the SL is not up to par with your other accounts and that you are responsible with your credit lines. I like that with their recon # they actually answer as "Underwriting".







Message 5 of 25
805orbust
Valued Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

Ok, I'm going to give it a shot.  With pain in the rear this has been thus far, what's another stint on hold with the underwriting department? Keep y'all posted.   Smiley Very Happy



Message 6 of 25
M_Smart007
Legendary Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)


@805orbust wrote:

Ok, I'm going to give it a shot.  With pain in the rear this has been thus far, what's another stint on hold with the underwriting department? Keep y'all posted.   Smiley Very Happy


@805orbust, Good Luck!

Message 7 of 25
CreditAggie
Community Leader
Super Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

Congratulations on your US Bank approval!

Current Cards (in order of approval):

            
Current FICO 8 | 9 (November 2023):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 25
CYBERSAM
Senior Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)

Congrats on your USBank CC approval! 🤑👍







              
Message 9 of 25
SDMarik
Established Contributor

Re: HILARIOUS welcome email from USBank!! ($2k Platinum)


@805orbust wrote:

@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback.  Is it worth doing recon?  I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?

 

 


I mean it's worth a shot, you have nothing to lose by trying. It's usually only successful if there is something on your profile that you can explain or might not be as it seems. If the inquiries are the reason it might be a lost cause, but I would think its certainly worth a call. 



"When prosperity comes, do not use all of it"
Message 10 of 25
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