cancel
Showing results for 
Search instead for 
Did you mean: 

What just happened, US Bank?!

tag
pinkandgrey
Senior Contributor

What just happened, US Bank?!

So awhile back, as some of you may know, I applied for the US Bank Cash + card. I was declined. I tried recon, but no go. About a week later, I got 4 (yes, FOUR) identical letters letting me know why I was declined. Then today I get my new US Bank Cash + Visa Signature in the mail. What???? Needless to say I'm not unhappy, but very confused. Glad to get my foot in the door with US Bank! Has this card been good to you? CLIs and such?

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 13k
Apple Card: 4.25k
Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: What just happened, US Bank?!

Congrats on your confusing decline/approval! 

Message 2 of 14
Anonymous
Not applicable

Re: What just happened, US Bank?!

How odd? But OKAY! Congrats!!!
Message 3 of 14
brandonneur
Established Member

Re: What just happened, US Bank?!

It's a new credit coaching philosophy whereby they beat you up and make you feel rejected so they can turn around and lift your spirits, hoping that you'll savor the new love and be that much more careful with their credit product henceforth.  The four letters was simply because they haven't worked the kinks out of the system just yet.

 

Congrats on the phantom recon recon.

FICO 08 Scores (05/2016): TU , EQ , EX 520
FICO 08 Scores (08/2018): TU 696, EQ 685, EX 696
FICO 08 Scores (02/2019): TU 689, EQ 698, EX 702

Message 4 of 14
Pikaboo-icu
Valued Contributor

Re: What just happened, US Bank?!

ROFL Nice way to begin a relationship. 

 

They were just playing hard to get...

 

CONGRATS!!!  Personally, I LOVE this card..It's my go to.. 

 

000congratsTinkerbell249.gif

  


Message 5 of 14
Cred4All
Valued Contributor

Re: What just happened, US Bank?!

Sounds like the automated intelligence driven back-end is sufferingi from multiple personalities.  Nice to see the generous side won ... congrats!


Message 6 of 14
Anonymous
Not applicable

Re: What just happened, US Bank?!

LOL! Congratulations on the confusing approval! fox laugh.gif

Message 7 of 14
pinkandgrey
Senior Contributor

Re: What just happened, US Bank?!


@brandonneur wrote:

It's a new credit coaching philosophy whereby they beat you up and make you feel rejected so they can turn around and lift your spirits, hoping that you'll savor the new love and be that much more careful with their credit product henceforth.  The four letters was simply because they haven't worked the kinks out of the system just yet.

 

Congrats on the phantom recon recon.


LOL I'll keep that in mind.

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 13k
Apple Card: 4.25k
Message 8 of 14
Anonymous
Not applicable

Re: What just happened, US Bank?!

Congratz on your approval. Its a great card, I have been debating adding it to my wallet as well. Would you mind sharing approval information?

Message 9 of 14
Anonymous
Not applicable

Re: What just happened, US Bank?!

SL and data points if you don't mind ...

Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.