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When the doors open at US Bank it seems they open really wide YMMV.

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hawkins
Frequent Contributor

When the doors open at US Bank it seems they open really wide YMMV.

The statement above says it all really. US Bank is known for being very stingy for approvals as we all know. They would not touch me for years until last year. Last August I was able to get the Cash + at like 8/24. It was not easy mind you it took several days of verification and documents but they ultimately approved it and for a whopper $30k which floored me. I thought I would get the standard $500 treatment. Then fast forward to March I apped for the Altitude Reserve fully expecting to get denied. This time it was just verification that I applied and I was approved. It was for only 5k though which slightly irritated me over the SL but I use it a ton so I hope to get a CLI as soon as possible. Then a few days ago like a greedy fool I apped for the Altitude Connect Business card and was approved instantly for 10k. It just got better. I read that another person was able to get another approval within a day or so of another approval for a differant card. I dont have to worry about 5/24 anymore or much of any 24 anymore as I have all that I want from most lenders I deceided to roll the dice yet again and the next day applied to the Shopper Cash Rewards card just because  I can. It took another verification call and 3 days of waiting but I just got the approval email a few minutes ago for 10k. So I guess keep trying if you want something from US Bank. They have been an absolute pleasure to deal with. 

 

PS: It defnitely helps if you open an account with them and keep some money in there for a few months. Its what I did. I hope for any of you also.

Message 1 of 15
14 REPLIES 14
Rdbeetle
Valued Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congrats on your multiple US Bank approvals!

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
Walmart CashRewards WMC $5k
FICO 8 Scores: EX 796 I TU 800 I EQ 802
Message 2 of 15
fm92555
Regular Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congratulations!

I completely agree, when they like your profile they are very generous.  I have many accounts there; two checking, a savings, 4 credit cards and a LOC. They just keep approving.

 

It's have never really had any issues that I can remember.

 

You should give it some time and then go for the LOC. It can easily convert to cash into your checking account and they send you a card as well.

Message 3 of 15
RebelRocket
Regular Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Awesome! Yeah, I'm just patiently waiting it out with them before jumping into more of their cards / products.

 

It was a nice touch for sure to get a phone call from a personal banker introducing themselves after I opened a business + personal checking along with my Cash+ card a week prior to that.

 

Enjoy the floodgates that they've opened for you! A pot of gold at the end of the rainbow for sure, lol.





Message 4 of 15
SouthJamaica
Mega Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congratulations on all those approvals. They like you. They really like you Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 5 of 15
MissLiz
Established Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Wow! Congratulations on your multiple approvals!

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 6 of 15
lnacen
New Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

@hawkins What verification documents did they ask for the the 30K card?

Message 7 of 15
Meanmchine
Super Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congrats on your new card

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 8 of 15
zerofire
Valued Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congratulations on your new found liquidity!


US Bank is only hostile to those it thinks are the enemy to success. Generally that would be new customers that are out of area because the bank has no idea if they are nice or out to get it. To side step this you can go into a branch so they get to know you but that is not available everywhere. Once you have existing accounts with US Bank the formula changes. As manager of accounts US Bank can see exactly how you send funds on those accounts and has wide options on what they can do. If they have to they can remove the doors off the hinges because they believe your a good customer.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 9 of 15
bytechma
Regular Contributor

Re: When the doors open at US Bank it seems they open really wide YMMV.

Congrats on all of the approvals! Hope to be in the same position as you next year. 

Personal Cards
C1 Savor One $2.7k | Discover IT $200 (Graduated) | Amex Optima $500 | C1 Venture X $31.0k (AU) | C1 Venture One $600 | U.S. Bank Altitude Go $10.0k | Chase Sapphire Reserve $10.0k (AU)

Secured Cards
U.S. Bank Cash+ Secured $1.0k | Truist Enjoy Cash Secured $1.0k

Credit Builder Cards
Chime Credit Builder | cred.ai $1.5K (stated limited)

BOA Cards with Platinum Honors (75% boost)
Travel Rewards $18.0k (AU) | Bank Americard $2.1k (AU) | Customized Cash Rewards $5.0k (AU) | Premium Rewards $18.0k (AU) | Elite $18.3k (AU)

Business Cards
Amex Blue Business Plus $12.8k (AU)
Message 10 of 15
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