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Submitted an online application for a US Bank Cash+ Visa Signature card on 4/25 and was notified that I would get a decision in 7-10 days. I later called Credit Card Underwriting Services several times and each time I got a recording saying "I'm sorry; I'm unable to retrieve your application information." Late yesterday afternoon I allowed the call to go through to a representative who pulled up my application and told me "It looks like your application is declining due to too many inquiries." I thanked her for her help and hung up thinking I would call back to recon when I got the decline letter in the mail.
So imagine my shock when I logged into my US Bank account a few minutes ago and saw the following:
My application was actually approved with a $15K starting limit.
Congrats there!
That is a sweeeeeet surprise, congrats!
Congrats!!
Now you dont have to answer the phone if they call you to tell you of the approval
Thanks Gmood1. Its amazing how many banks I'm noticing now that I've been focusing on my credit.
Backstory: I recently realized there was a U.S. Bank branch less than 2 miles from my home so a month ago I went in-branch, opened checking, and savings accounts; seeded them with $100 each and arranged direct deposit of a portion of my income so I could get the $200 signup bonus. On Tuesday I received a mailer for their Reserve Line of Credit so I went back to the branch where a personal banker told me that they would need to do a hard pull; I declined the offer but took the opportunity to open a Money Market account and put some of what I call my "FU money" in it.
While researching the Reserve Line in this forum I noticed users like Djgrolyos and longtimelurker raving about how generously they extend credit to deposit account holders. So I figured that if they were going to do a hard pull I might as well just apply for a Cash+ card and put in an online application. Now I'm eyeing the Altitude Reserve but will garden for a while since I'm up to 10 inquires on TU, 7 on EX, and 2 on EQ. I'll call them later to see if they will use the TU pull for the Visa+ to give me the reserve line of credit.
@Gmood1 wrote:
Congrats MnB on the great SL!😎
@M&b
Having applied on 20th apr for cash+ visa & I got 7-10 day message and they pulled EQ for me in GA and I called status line and told I was declined.
After hearing you it looks like I can be hopeful. Usually pulls TU but pulled EQ 698 fico 8 score.
Congrats OP! Awesome SL.
I would call (800) 947-1444 and speak directly with a representative rather than wait around and wonder about the outcome.
@Anonymous wrote:@M&b
Having applied on 20th apr for cash+ visa & I got 7-10 day message and they pulled EQ for me in GA and I called status line and told I was declined.
After hearing you it looks like I can be hopeful. Usually pulls TU but pulled EQ 698 fico 8 score.