US BANK DOUBLE APPROVALS!!!

[credit_endurance]

I had them on my radar for awhile. And after seeing a slue of approvals of late specifically for their Cash + Visa Signature I just had to take the plunge. Having heard various reports as to which credit bureau they actually pulled I first went through the pre qualier page and recieved no offers this while TU was off the rocks. So decided since I hadn’t seen any EQ pulls in the database, took EXP off ice and went back to the prequel site and boom there it was. A pre approval for both the Cash + and 365 Amex Visa as well a flex perks but no set Apr which isn’t a real biggie for me as I won’t be carrying any balances. EXP being my best bureau had no issue with them pulling them so applied this past Sunday for the Cash + & Kroger Rewards Visa as I had got a solicitation mailer for that card to apply. And as most have recieved got the 7-10 message immediately. Let the process simmer for a couple days and called the underwriting line which couldn’t even find my applications on file. So I got a rep to look up my applications manually and she said I should have a decision within 24-48 hours this was on Tuesday. So thought to myself this does sound promising. So waited the full 48 hours and gave them a chime back first the auto mated system STILL couldn’t find my apps on file! Then it rerouted me to a live underwriter who came back with the music I wanted to hear in my ears “ Congratulations you have been approved for both the Cash+ & Kroger Rewards Visa!!”

Mission accomplished as these 2 apps will be my very last of the year. Also pushes me over the $400K milestone. 

Data points: Pulled EXP for me as this conflicts with majority of reports of them pulling TU. Clean file. Both IDA/ARS on ice. 3 INQS this year on EXP. 6 new accounts this year 4 in which have been in the last 6 months. Total Uti around 3% reporting. And of most significance for me at least absolutely no prior relationship with US Bank up until this point.

Went for 2 for 1 on the apps with these results:

Apr’s not the best but I can live with them.

Cash + Visa Signature SL $8,000 19.99 Apr

Kroger 1-2-3 Rewards Visa /$100.00 statement credit with first purchase SL $18,000 19.99 Apr :-0

Nice start out of the gate with them.Very pleased with the results. And with that my last hurrah of the year and probably the foreseeable future as far as apps go. I MUST stay away from the approvals section guys lol! 😉

[Anonymous]

Congrats on the 2 cards and getting in with US bank. Dv

[CreditMagic7]

congrats

[irunfromcredit]

Congrats on the approvals! I got the 2 for 1 as well with them (and opened a platinum checking and was preapproved for reserve line of credit).  Enjoy the cards!!!!!!!!!!!

[Anonymous]

Great approvals! Nice to see they aren't handing $500 all the time. That Kroger one is surprising. 18K vs the 8K on Cash + ?! Thanks for including that you had no relationship with them prior to this. That's a useful DP. 

[credit_endurance]

Thanks guys for the congrats and well wishes! And yes Elkteck the Kroger limit does suprise me somewhat. But it coud be a co-branded thing as with FNBO in which some of thier co-branded cards fetch higher SL's.

[AverageJoesCredit]

BC, i dont know how much more bruising your credit can take but ill give ya a pass on a 24k pick up lol. Congrats my friend, well done, 2017 thanks you

[credit_endurance]

Lol AJC! I just might need to change my screen name to something else as my credit isnt quite as bruised as it used to be. Thanks my firend on the congrats.And yes, 2017 has been a banner year for me especiallly this later half. I had set a few goals and with patience, knowledge and of course the support of you and many others in this forum family they are finally seeing the fruition.

[CreditCuriosity]

Very nice approvals!  US Bank opened up themselves certainly to you!  

[credit_endurance]

Thanks so much CC! I certainly feel very fortunate there is no question about it.