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US Bank Platinum Approval

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New Contributor

US Bank Platinum Approval

Last Tuesday I applied for the Platinum card after receiving a 'limited time special card offer' via email with a set 15.99% APR.  I have received these emails many times before but always with a range APR.  I was in the garden but decided to take advantage for the BT offer.  Since applying, I have called the application status line everyday only to be told my application is still in process.  Finally, today I received the 'congratulations, your application has been approved' message...so almost a week of processing.  I'm not sure of the SL.  I have a mortgage and checking account with US Bank.

 

Data Points:

Pulled Transunion

Score: 690

Tons of new accounts/inquriies 

 

Update:  Approved for $9,500!  I was bracing for a $500 SL recon.  Should I recon still???

 

Message 1 of 10
9 REPLIES 9
Senior Contributor

Re: US Bank Platinum Approval

Congratulations!

 

If it’s like me with my US Bank Cash 365 Amex, you should get another email this week with your SL in it.









Message 2 of 10
Senior Contributor

Re: US Bank Platinum Approval

Congratulations on your approval!

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

Current Scores



Message 3 of 10
Valued Contributor

Re: US Bank Platinum Approval

Congrats on the approval!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 4 of 10
Senior Contributor

Re: US Bank Platinum 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 5 of 10
Valued Contributor

Re: US Bank Platinum Approval

Congrats on your approval!!👍

😊




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 650(within a year)


Take the myFICO Fitness Challenge

























Message 6 of 10
Community Leader
Valued Contributor

Re: US Bank Platinum Approval

Congrats! Your existing accounts with USB definitely helped you here! US Bank can be hard to crack into without a prior relationship. 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 10
New Contributor

Re: US Bank Platinum Approval

I think you are right.  I applied around this time last year and was denied.  

Message 8 of 10
Community Leader
Mega Contributor

Re: US Bank Platinum Approval

Great Scot , ABSOLUTELY RECON!!! tell them you were expecting $500 and they messed with your mindset!. Either give you $500 more or you are taking your business to Wells Fargo!!
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 10
Senior Contributor

Re: US Bank Platinum Approval


@dak17 wrote:

Last Tuesday I applied for the Platinum card after receiving a 'limited time special card offer' via email with a set 15.99% APR.  I have received these emails many times before but always with a range APR.  I was in the garden but decided to take advantage for the BT offer.  Since applying, I have called the application status line everyday only to be told my application is still in process.  Finally, today I received the 'congratulations, your application has been approved' message...so almost a week of processing.  I'm not sure of the SL.  I have a mortgage and checking account with US Bank.

 

Data Points:

Pulled Transunion

Score: 690

Tons of new accounts/inquriies 

 

Update:  Approved for $9,500!  I was bracing for a $500 SL recon.  Should I recon still???

 


Awesome update!









Message 10 of 10
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