US BANK 365 AMEX Approved (4 days Process

[Mahraja]

i was getting e-mail offers plus was also getting pre approved offers on the web site with Fixed APR for all of their cards so i applied 365 Amex the terms are below in the screen shot got 7-10 days message being former US BANK customer played a huge part when i called after 4 days 2 minutes later the status changed to CONGRATULATION'S has been approved  etc  no idea what the limit is '

TU PULL

FICO 8 776/

9TH HP

19 new high limit accounts

[irunfromcredit]

Congrats on the approval. I had the same offer as well along with others. Went with the others. May consider this one down the line. You can always call and as about the starting limit

[bigpoppa09]

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@Mahraja wrote:

i was getting e-mail offers plus was also getting pre approved offers on the web site with Fixed APR for all of their cards so i applied 365 Amex the terms are below in the screen shot got 7-10 days message being former US BANK customer played a huge part when i called after 4 days 2 minutes later the status changed to CONGRATULATION'S has been approved  etc  no idea what the limit is '

TU PULL

FICO 8 776/

9TH HP

19 new high limit accounts

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Is the 100 cash back a public offer i dont see it on the website?

[CreditCuriosity]

Have the same offers among others with same set APR and won't byte as a) it is Us Bank b) just a 1.5% card(better cards alot of them out there c)they hate new accounts and although you were approved I would be willing to bet you will be low balled on the CL.. I wouldn't be expecting a big limit..  US Bank doesn't like new cards... I am guessing 2500-4k approval.. Please share when you know the limit.  

Grats on your approval though

edit: oh btw they use mortgage scores so whomever they pulled your mortgage score is what they use.

[irunfromcredit]

I keep hearing conflicting experiences with US Bank. I heard they give low limits and and are conservative. Then I hear they love the banking relationship.

I was approved for the Cash + and Platinum both for $15k each under a prequalify offer. I did not have a prior relationship with them other than them purchasing my mortgage last month. So I do agree having some sort of relationship with them is helpful, but the starting limits are definitely YMMV. Who knows....

[CreditCuriosity]

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@irunfromcredit wrote:
I keep hearing conflicting experiences with US Bank. I heard they give low limits and and are conservative. Then I hear they love the banking relationship.

I was approved for the Cash + and Platinum both for $15k each under a prequalify offer. I did not have a prior relationship with them other than them purchasing my mortgage last month. So I do agree having some sort of relationship with them is helpful, but the starting limits are definitely YMMV. Who knows....

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Mofgbzbd mibhg ov hdlpdc hou.. Also assume you haven't opened 12-15 new cards in the last year either have you?

[Mahraja]

@ cc good points but in my case i had 2 years banking and office max visa relationship with them which was huge plus when i called plus the first 12 months its 2% cashback which is another plus and in the last i just confirmed with the cs the SL is 15k which make sense as i have most of the accounts sitting above 15k already but your points are valid  my 2 years history was the key for me for this application

[CreditCuriosity]

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@Mahraja wrote:

@ cc good points but in my case i had 2 years banking and office max visa relationship with them which was huge plus when i called plus the first 12 months its 2% cashback which is another plus and in the last i just confirmed with the cs the SL is 15k which make sense as i have most of the accounts sitting above 15k already but your points are valid  my 2 years history was the key for me for this application

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Congrats to you if indeed it is 15k..  I had a banking relationship(3 years) with them and a 6 figure income (direct deposited) and other cards in the 25k range and they gave me a 1k Cash rewards.. I will never forgive them and that approval aka insult caused me to cancel my banking relationship with them and in turn opened up checking/savings with PenFed and got a 35k approval with their 2% rewards card at 14.99 apr.   Also have a 5k CLOC now with them and a 66k car loan with Penfed at 2.49%..  IMO they made a big mistake in my opinion with me lol..  Anyways glad it worked out for you, they certainly don't like me being us bank

I guess YMMY with Us Bank but they are known to be conservative.

[irunfromcredit]

Yes I agree the mortgage may have helped, but I have opened about 12 cards in the last year, 4 of them being in late July/August (after I closed on the mortgage), and all the accounts did report.

[Mahraja]

@ cc no it was not a mistake i know why they grant me decent credit line i know what i said to verification department and i know what i have on my profile which always runs in my favor since December 2016 til today September 2017 i have 23 constant high limit approvals it means there must be a reason behind and i know exactly what it is so i am not surprised to learn 15k 365 Amex and recent 12k Discover