Re: USBank Cash+ Approval (unexpected)

MJ-san · ‎01-09-2023

It was a late night... I have a huge utility bill coming up, and the only card that has 5% back on utilities is the Cash+ card. So, what the heck, for $275 back with signup bonus, why not. Applied and immediately said to myself "dummy, you have too many new accounts - they'll never approve you."

That was Thursday evening, and today (Monday) get the "welcome" email. Well I'll be **bleep**. $9k CL isn't close to most of my larger limit cards, but it will do. And 15 months 0% to boot.

DPs: Pulled Experian, 809 score. 10 INQ last 24 mos, 3 in last 12 mos (2 were for car). Here's why I was surprised: 4 new accounts in last 12 mos (3 in last 6).

It appears that 1 in 12 new accounts isn't a deal breaker afterall! I've got a BMW card with sister company Elan for over 4 years, perfect history, so maybe that had a positive impact?

OniStringer · ‎01-09-2023

Congrats!

NoMoreDebt · ‎01-09-2023

Congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

Elpadrino1 · ‎01-09-2023

Congratulations on your approval!

Jeffster1 · ‎01-09-2023

Congrats on the great approval!

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

JoeRockhead · ‎01-09-2023

Very nice all the way around, congrats on your new approval!

KingRue8500 · ‎01-09-2023

Congrats on your U.S. Bank Cash+ approval

mgood · ‎01-09-2023

Congratulations on what looks like a great card. And I don't think their rules are set in stone like Chase's 5/24. Just general recommendations that you should be 0/6, 1/12 or better when applying. Grats on beating that.