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US Bank Approved

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Frequent Contributor

US Bank Approved

So I opened up a checking account with US Bank and was approved for $5k SL Visa Platinum card 18% with a intro of 0% APR for 20 months  they pulled TU only (AZ) and boy did I get alerts from Capital One, Credit Sesame and Credit Karma in real time. I was trying to get a CLI from Cap1 before I wanted to start applying for credit, which I feel gave me a $5k SL with US Bank, but I am overall happy with it. Time to leave Cap1 behind and get some more cards. 

 

PS I wanted to share some more insite on what the banker told me, which I learned and may fall only for US Bank. She told me that pre-approved meant that more than 90% of the time the consumer would get that amount, while being pre-qualifed was a hit or miss with the following happening:

 

1. Approved

2. Denied 

3. Goes into underwriting

 

When she ran my checking account application at the end it states if a consumer is pre-qualifed or pre-approved.

 

I was pre-qualifed....so I went with it and was approved. 

EQ 812 / TU 802 / EX 818 (Before the credit sprees will update soon)
Message 1 of 9
8 REPLIES 8
Frequent Contributor

Re: US Bank Approved

Congratulations on your approval!

Message 2 of 9
Super Contributor

Re: US Bank Approved

Congrats on you're approval!

Message 3 of 9
Established Contributor

Re: US Bank Approved

Congrats on the new USB card!!!!











Current

Goal Cards

Message 4 of 9
Valued Contributor

Re: US Bank Approved

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your US Bank Visa Platinum card Approval and the Very Nice SL!!! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $165K+ | Rebuilding since April 2018
Message 5 of 9
Valued Contributor

Re: US Bank Approved

Congrats on your US Bank approval!!
Message 6 of 9
Regular Contributor

Re: US Bank Approved

Great information, thank you!
Message 7 of 9
Senior Contributor

Re: US Bank Approved

Congrats on the approval!









Message 8 of 9
Valued Contributor

Re: US Bank Approved

5K is pretty good by USB standards.  Their pre-qual doesn't hold much water according to the guy here that worked for them for several years in their CC dept.  When I went through with a couple of apps I got auto denied for inq's called for a manual review and turned into 1K/ea and called again to bump to 25K and countered at 10K/ea.  They're always a bit dodgy and a moving target when it comes to approvals.

500K+ TCL / 800+ FCOs
Message 9 of 9
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