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US Bank Cash+Approval

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Regular Contributor

US Bank Cash+Approval

For first time other night when did pre qualify on US Bank site it said I was pre-approved for 3 cards , Cash+ one of them with a single APR 19%. Was gonna go garden vid Decided to go for it , while sitting in 8 hours of traffic in snow storm had in NY. After applied got 7–10 message. Then the next night got an email saying I was approved! Before that approval email got an another email from USB saying that my Phone number on my account had changed. No prior banking history with them nor do I have online banking setup up with them. Wierd thing is when I call the status app line says my application can’t be found. Been trying to get a hold of USB UW find out my SL, maybe because it was the weekend that each time would call would be waiting 20-30 min still no rep comes on and would hang up.
They pulled TU
8 INQ
683
6 plus figure salary
7/24 when pulled
Soon to be 10/24

Very curious of my SL


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11 REPLIES 11
Community Leader
Mega Contributor

Re: US Bank Cash+Approval

Congrats. Im gonna say $500?
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 12
Senior Contributor

Re: US Bank Cash+Approval

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 12
Regular Contributor

Re: US Bank Cash+Approval

Called in this morning , got a whopping 500SL ! I told UW that spent anywhere 4-8k a month on my cards, if can have an increase of SL. He asked how much i said well let’s start with 5k at least, figure more realistic number then 15k was gonna ask. he said he put in for CLI. I guess we’ll see what happens. Do these cards grow big after a lot of use?


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Message 4 of 12
Valued Contributor

Re: US Bank Cash+Approval

Congrats on the approval! You got the AJC $500 special!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 12
Regular Contributor

Re: US Bank Cash+Approval

Thanks !

$500 is very low , but better then a denial. Has anyone been able to get a CLI after being approved ?


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Message 6 of 12
Community Leader
Mega Contributor

Re: US Bank Cash+Approval


@AMGE63 wrote:
Thanks !

$500 is very low , but better then a denial. Has anyone been able to get a CLI after being approved ?

Some people did report increase in SL, while it did not work for others 

Fingers crossed it works for you

Dont expect them to move quickly, tho. They take their sweet time 

Message 7 of 12
Moderator

Re: US Bank Cash+Approval

There have been a TON of us approved for $500 on the Cash+ card.  I called underwriting when I received my card, and asked for $15k.  UW at USB is not empowered to make instant decisions; I called the automated number and my CLI was approved the next afternoon with no additional HP.  Now if I could just get a 30x CLI on my Starwood or Travel Rewards cards...  Smiley Wink

Message 8 of 12
Senior Contributor

Re: US Bank Cash+Approval

COngrats on your approval !!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 9 of 12
Regular Contributor

Re: US Bank Cash+Approval

Wow congrats! Maybe I should call and ask for more ? Or just stick to the 5k originally asked for on the CLI?
For USB how often can you get a CLI?
Thanks


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Message 10 of 12
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