US Bank Cash + Approval

[Anonymous]

I would say (and as has been mentioned often) USB is very slow. After getting the pre-approval offer on their website, I applied probably 10 days ago and got the "7-10 day" response. About 5 days later, snail mail from USB asking me to call for verification. Called and answered a few questions and was told a decision would be made in a few days. Got an email two days ago saying "Welcome to the U.S. Bank Cash+™ Visa Signature® Card. Now comes the easy part — use your card and be rewarded for your purchases..." 

Now, after hearing stories of folks getting $500 limits, I wasn't sure what to expect. This morning i get my daily delivery email from the USPS, and one of the pictures is an envelope from Fargo, ND. Figure this must be the card so i go to my post office and find the envelope in my box. The drumroll is rumbling in my head as i slowly peel off the card to see what my limit is....$5,000. Not great, but not awful either, especially for having no relationship whatsover with USB.

[Anonymous]

Congrats on $5k!  What's your oldest account and your AAoA?  TU FICO?

[Anonymous]

Did you call and confirm bonus offer is attached to your account ? You better do it ,there are cases including mine where they suddenly cant seem to find the offer. I have faxed the screen shots and havent heard back yet

[Starting_Over2013]

$5k is definitely better than $500! Congrats on the approval! 

[Anonymous]

Congrats on beating the $500 conveyor belt of SLs! If you are used to having higher CLs and your income supports it, won't hurt to call underwriting and see if they can increase it. 

[AverageJoesCredit]

Congrats on your US Bank Cash plus your approval

[Anonymous]

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@Anonymous wrote:

Congrats on $5k!  What's your oldest account and your AAoA?  TU FICO?

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Oldest account is a 12 year old local CU that i haven’t used in ages. Next would be my Chase Freedom from 2011 or so. All other cards are three years or less. I’d say 10 in this calendar year alone with 8 of those in the past 6 months or so....

@Anonymous @749 

[Anonymous]

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@Anonymous wrote:

Congrats on beating the $500 conveyor belt of SLs! If you are used to having higher CLs and your income supports it, won't hurt to call underwriting and see if they can increase it. 

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Ha! Probably come off as some blue blood snob looking down at a 5k limit. I may call in to see about an increase. Otherwise, it’s fine really. And certainly not my lowest limit for sure *cough Discover cough*

[Anonymous]

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@AverageJoesCredit wrote:
Congrats on your US Bank Cash plus your approval

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thank you my fine average friend! i may have to check out this garden you kids talk about now.