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Super low limit, but approved for US Bank Cash Plus

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Anonymous
Not applicable
‎02-15-2022 01:38 PM
‎02-15-2022 01:38 PM

Re: Super low limit, but approved for US Bank Cash Plus

Congrats on the approval! That could have easily been a denial considering the creditor, so be happy even with the low limit. Smiley Happy

Message 11 of 14
M_Smart007
Legendary Contributor
‎02-15-2022 01:53 PM
‎02-15-2022 01:53 PM

Re: Super low limit, but approved for US Bank Cash Plus

Congrats on your US Bank Cash+ Approval!

Message 12 of 14
FalconSteve
Valued Contributor
‎02-15-2022 08:42 PM
‎02-15-2022 08:42 PM

Re: Super low limit, but approved for US Bank Cash Plus

Given your other limits, that does seem low. Congrats on getting approved, hopefully it grows quickly to a more reasonable amount. In addition to a CLI, you may be eligible for reconsideration.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 13 of 14
zerofire
Valued Contributor
‎02-18-2022 09:43 AM
‎02-18-2022 09:43 AM

Re: Super low limit, but approved for US Bank Cash Plus

Congratulations on your new found liquidity!

US Bank as you heard is definitely stingy to those it has not met yet. Rest assured that from here on out they are only going to get more warm and friendly. At this point they are willing to put a small risk on you since you cleared the tests but that does not just make the fraud alert disappear. The $500 is their way of saying we trust you to do the right thing but not a lot. This is definitely one of those lenders that is strict but justified. In time you will see why their way is the best one to have open.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 14 of 14
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