The last card on my wishlist is now a reality and I join the coveted club that already has the likes of @K-in-Boston, @Remedios, and @UncleB. If I missed your name it's not a slight at all I'm just tired and rambling atm with July needing to be in the rearview mirror already. Thanks to @longtimelurker as well for finding a work-around for getting in with USB if you're not in the geographical footprint for their banking services just to apply for this card in the first place.
Now, I already knew about USB's manual reviews so I was prepared for that when it didn't come back as an automatic approval unlike UncleB's the lucky guy but the questions they asked weren't as much related to my credit profile as much as a life profile somewhat. They asked about the last twelve month's credit activity but I think I showed what kind of use I put on my cards since I don't practice AZEO any longer to show I use the limits I have. Considering how little time they spent on this it apparently wasn't much of an issue for them.
With the other questions my fiancee made the comment since she was with me as I was talking to UW was it was like being at a job interview where they asked things that were related to my recent life changes such as her/our new business, recent moves, nature of business with regards to DEA licensing even though it's under her name, and so on. All these things were discussed over the course of over an hour so was a new experience and not something I would have done for any other card but their 4.5% mobile wallet earnings is really enticing.
After being put on hold for 10 mins or so they came back with an approval of $20k which is more than enough to suit my needs with the other cards in my wallet. With this card I believe I'm done with apps for new accounts for the foreseeable future. Other than some HPs for CLIs like with the Citi Premier coming up in September and maybe a few other increases I'm just gonna relax in the garden and be happy with what I have now.
Is July over already?
Congrats on Precious Club membership
That's fantastic, @simplynoir!
For the record mine went to review as well, but I didn't have to talk to anybody - they had pity on me without making me call. @Remedios was the lucky one who didn't have to wait in suspense for an answer (LOL).
That's an awesome credit line for this card, and like you say it will complement your others nicely. It sounds like you and @imapharmacygirl handled the analyst with perfect finesse! (No surprise there at all!)
Again, welcome to "the precious" club!
CONGRATULATIONS @simplynoir on your US Bank AR approval and the awe-inspiring SL!!!