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How solid is a US Bank pre-approval? Update: Approved

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Anonymous
Not applicable

How solid is a US Bank pre-approval? Update: Approved

How solid are online US Bank preapprovals? I just checked and got the Altitude Reserve show up for the first time? Should I pull the trigger?

 

Edi: This is the credit card disclosure that I see when I check details:

 

Screen Shot 2018-12-03 at 2.12.01 PM.png

Message 1 of 19
18 REPLIES 18
Anonymous
Not applicable

Re: How solid is a US Bank pre-approval?

Well I couldn't wait lol, and pulled the trigger after reading other threads on these forums. Applied and instantly approved for 5k! Into the garden I go until 2020 when I'll be under 5/24.

 

Edit: This thread got moved here so just letting it be known that this was the US Bank Altitude Reserve.

Message 2 of 19
Pikaboo-icu
Valued Contributor

Re: How solid is a US Bank pre-approval?

Congrats!

 

Just for future reference the norm is: If you have a solid APR & not a range, it's a solid preapproval.

As always, not guaranteed but highly likely. 

 

  


Message 3 of 19
JR_TX
Valued Contributor

Re: How solid is a US Bank pre-approval?

Congrats!
Just make sure you make that $400 Anny work to your benefit!
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 4 of 19
19eighty5
Senior Contributor

Re: How solid is a US Bank pre-approval?

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 5 of 19
Anonymous
Not applicable

Re: How solid is a US Bank pre-approval?


@Pikaboo-icu wrote:

Congrats!

 

Just for future reference the norm is: If you have a solid APR & not a range, it's a solid preapproval.

As always, not guaranteed but highly likely. 

 



Yeah that's why I went for it, after seeing a set APR. Kind of surprised at the instant approval though, considering that previous posters wrote about having to wait before the application got approved.

Message 6 of 19
Anonymous
Not applicable

Re: How solid is a US Bank pre-approval?


@JR_TX wrote:
Congrats!
Just make sure you make that $400 Anny work to your benefit!

Yeah definitely. The $325 travel credit is easy enough for me. Also I am one of the people who use Samsung Pay literally everywhere they can lol, even if it's a little inconvenient. All the more reason for me to continue doing that haha.

Message 7 of 19
AverageJoesCredit
Legendary Contributor

Re: How solid is a US Bank pre-approval?

Im gonna say....solid?Smiley Wink

CongratsSmiley Happy
Message 8 of 19
Anonymous
Not applicable

Re: How solid is a US Bank pre-approval?

Congrats!!🎉
Message 9 of 19
Anonymous
Not applicable

Re: How solid is a US Bank pre-approval?

Congrats! That's a solid SL for USB. I believe you can call recon when you get the card and see if they've got anything else for you.
Message 10 of 19
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