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US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

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Contributor

US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

As part of the recent app spree, I applied for the US Bank Cash+ Visa Signature card. This was on Saturday, Nov. 30th. The online application immediately went into manual review and I received the 3 business days message. I have been checking the secret underwriting line for status many times a day. I finally called in around 4:30 today and received the "Congratulations, you have been approved, your card will arrive in, etc." message.
 
I have to disclose that I have had US Bank as my primary checking account since 2015, and use it for paying bills and receiving income from employment. This may have contributed to approval, as I read that US Bank is very conservative. They pulled TransUnion, which I had 0 inquiries on prior to applying for the card. Very interesting as I've never seen a TU hard pull before.
 
Immediately, I called customer support at 800-USBANKS to request what the SL would be. They notified me that the card hasn't been entered into the system yet, and to check in 24 hours. I do not see it in my online account either, so I will just have to wait. I do not know if it is the downgraded "Cash Rewards" card mentioned here on myFico community, or the actual Cash+. Sorry everyone..
 
As for the reasoning behind this card, the only category I would really utilize at the moment is the 5% Fast Food. Utilities and phone bill may come in handy in the near future, but right now I do not pay for those through credit. The $150 sign up bonus is nice as usual.
 
I will keep everyone updated when I eventually receive more information..

Update: Online account shows $5,000 SL
Discover It Student - $5,650 (Jan 2019)BOA Cash Rewards Student MC World - $2,200 (Mar 2019)Amex BCE - $12,300 (May 2019)Chase Amazon Prime Rewards Visa Sig - $3,200 (Aug 2019)Chase Freedom Visa - $3,400 (Nov 2019)Citi Double Cash MC World Elite - $4,400 (Nov 2019)USBank Cash+ Visa Sig - $9,000 (Dec 2019)Capital One Walmart Rewards MC - $2,250 (Mar 2020)NFCU More Rewards Amex - $1,000 (Jul 2020)GS Apple Card - $3,000 (Aug 2020)Tesla Cybertruck Tri-Motor (Pre-order)
As of 07/06/20:
EQ FICO8: ?? EX FICO8: 708 TU FICO8: 711
Goals: US Bank Altitude Go (4% dining), PNC Cash Rewards (4% gas)
Message 1 of 21
20 REPLIES 20
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Super Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Congratulations on your approval!
Message 2 of 21
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Frequent Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Congratulations on your approval, you will totally love us bank and that cardSmiley LOLHeart



Message 3 of 21
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Epic Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

 

Congrats! ..

 

 

 

Message 4 of 21
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Moderator

Re: US Bank Cash+ Visa Signature Approval - unknown SL

A great card to have, congrats Smiley Happy

Message 5 of 21
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Regular Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

The Cash Rewards card used to be available as an alternative if you weren’t eligible for the Cash+, but I’m almost positive that card has since been discontinued.
Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 6 of 21
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Frequent Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Congrats on the elusive Cash+ Signature!
Message 7 of 21
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Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Appreciate it, upon further research I figured that out too. Any known way to see the SL other than waiting for the snail mail?
Discover It Student - $5,650 (Jan 2019)BOA Cash Rewards Student MC World - $2,200 (Mar 2019)Amex BCE - $12,300 (May 2019)Chase Amazon Prime Rewards Visa Sig - $3,200 (Aug 2019)Chase Freedom Visa - $3,400 (Nov 2019)Citi Double Cash MC World Elite - $4,400 (Nov 2019)USBank Cash+ Visa Sig - $9,000 (Dec 2019)Capital One Walmart Rewards MC - $2,250 (Mar 2020)NFCU More Rewards Amex - $1,000 (Jul 2020)GS Apple Card - $3,000 (Aug 2020)Tesla Cybertruck Tri-Motor (Pre-order)
As of 07/06/20:
EQ FICO8: ?? EX FICO8: 708 TU FICO8: 711
Goals: US Bank Altitude Go (4% dining), PNC Cash Rewards (4% gas)
Message 8 of 21
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Regular Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Your account should be available in their system tomorrow morning. I used to be a Supervisor in USB’s Cardmember Service and account information usually took 24 hours to register in the system. I’m sure things have since changed because it’s been 2 years, but I’d check in the morning.
Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 9 of 21
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Regular Contributor

Re: US Bank Cash+ Visa Signature Approval - unknown SL

I just applied for the cash visa signature and I got the 7-10 days message !!
They hard pulled Equifax witch I have 11 inquiries 😖
tu 758 credit karma 10/27/2019
eq 752 credit karma 10/27/2019
ex 741 Experian Vantage Score 10/27/2019
discover 14800$
american express 10k$
elan visa 10800$
wellsfargo visa 9800$
wellsfargo american propel 6000$
bbt visa 6000$
bbt mastercard 6000$

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