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

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New 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
IT/Cybersecurity College Student
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 - $5,000 (Dec 2019)Capital One Walmart Rewards MC - $2,000 (Mar 2020)
As of 02/23/20:
EQ FICO8: 728 EX FICO8: 705 TU FICO8: 732
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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Mega 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

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

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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New 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?
IT/Cybersecurity College Student
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 - $5,000 (Dec 2019)Capital One Walmart Rewards MC - $2,000 (Mar 2020)
As of 02/23/20:
EQ FICO8: 728 EX FICO8: 705 TU FICO8: 732
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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