Wow, never did I think US Bank would accept the dirty credit file that I'm carrying, but upon getting recently approved for the Chase Freedom Flex credit card, I wanted to test my luck further in attempting to apply for the US Bank Cash+ Visa Signature card, as a recommendation by @Aim_High! I figured that I could use another 5% rotating cat. card in my setup, but the only issue I was afraid for US Bank was their UW and how conservative they are. I put in my application back on 5/30, with pretty much carrying the inquiries I got from both my Chase and BofA. From what I understand, US Bank does not like seeing accounts opened within the past year, so at the time I was 0/12 when they pulled my Experian file. Upon calling their number for application status a few days later, I got an auto-denial from there, but waited to speak to a US Bank associate to ask if they needed additional information. Apparently, they sought more verification from me, then I was told to wait for about 5 business days for an update on the final decision.
Fast forward to 6/6, I called their number for UW to see whether any changes came around. Luckily, the automated message changed to saying that the application is in process, and that a decision will be made in 2-3 business days. Was relieved to hear this, but I was even more delighted when I checked my inbox this morning to see an email from US Bank congratulating me for the approval of the US Bank Cash+ Visa Signature card, with a SL of $1000 and the card to be delivered in 4 business days! This is quite the good year so far, with being approved for the Chase CFF, BofA Cash Rewards, and now the US Bank Cash+, all in just 3 weeks!
In case anyone wondering, here's the DP for the US Bank application:
US Bank pulled Experian
EX FICO 8 = 711
0/12 accounts at the time of the application, but with 5 inquiries in past 24 months, and 1 closed derogatory account
Oldest account = 7 yrs, 9 monhs
AAoA = 4 yrs
Congratulations on your US Bank Cash+ approval
Nicely done, and good job doing your homework on the card! I hope it serves you well! Thank you for the very helpful DPs.
Congratulations on your US Bank approval!
Congratulations on your USBank 🇺🇸 Approval! 🥳🥳🥳
Congrats on your US Bank Cash+ approval. Wishing you great success in your credit rebuilding effort.
Congrats on another awesome addition to your lineup with
the US Bank Cash+, @Deus-Ex_Veritas!
That can be a tricky approval for some, so very well done!
With three new great cards, probably time to savor your
victories, enter the garden, and let them all age.
Those are some great approvals and will serve you well!