cancel
Showing results for 
Search instead for 
Did you mean: 

My luck rises! Approval for US Bank Cash+ - SL $1k

Deus-Ex_Veritas
Established Member

My luck rises! Approval for US Bank Cash+ - SL $1k

Hey everyone!

 

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

1% utilization

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

 

US Bank Approval!US Bank Approval!

Message 1 of 21
20 REPLIES 20
SouthJamaica
Super Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congratulations on your US Bank Cash+ approval Smiley Happy


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 742 EX 713

Message 2 of 21
Ficoproblems247
Valued Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Nicely done, and good job doing your homework on the card! I hope it serves you well! Thank you for the very helpful DPs. 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 3 of 21
CreditAggie
Senior Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congratulations on your US Bank approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 4 of 21
ComeBackLady
Established Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congratulations on your USBank 🇺🇸 Approval! 🥳🥳🥳

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 5 of 21
gdale6
Moderator

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Grats on the very useful Cash+ approval Smiley Happy

Message 6 of 21
babygirl1256
Valued Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congrats on your US Bank Cash+ approval. Wishing you great success in your credit rebuilding effort.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 7 of 21
coreyb80
Valued Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congrats on the approval!

Message 8 of 21
Aim_High
Senior Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congrats on another awesome addition to your lineup with

the US Bank Cash+, @Deus-Ex_Veritas! Smiley Very Happy

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. Smiley Wink

Those are some great approvals and will serve you well!

 

Snoopy_Charlie_Brown_Happy_Dance.jpg

 

 

 



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 27 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 9 of 21
KingRue8500
Regular Contributor

Re: My luck rises! Approval for US Bank Cash+ - SL $1k

Congrats on your US Bank Cash+ apparoval

Current Cards:


Message 10 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.