I applied for a USBank Cash+ card around April end. My application was declined. I called for reconsideration 4-5 times and finally they approved me for their Cash Reward Card with my lowest limit of $1000. I called them last week to ask how does CLI work with them, are there any chances of CLI with SP or auto-CLI. They said no, it will be a HP and you need to ask for CLI next month after finishing your 6 months. Now, this morning I just went and checked theit prequalify site and after putting in my information the webite kind of hanged and timed off.
Later I get a call and the person tells me that he is calling from USBank and I had asked for a CLI. He said he will help me with it and the bank think I qualify for a Cash+ Card if I am interested. I was wooried what if it is a scam as I have never heard bank calling linke this. Still, I thought to play along and see. He gave me my personal info and last 4 of my SSN to verify. I said fine (mind it, I gave him no details). I asked him if it will be a HP to check and he replied no it will be SP and he does not even require my full SSN. He asks me income and rent details. He than submits my application and says as per my info you are approved for Cas+ with $14000 CL but we will need some verification before confirming that. This sounded suspicious to me and I asked what if I want to check what is the status. He gave me a number to check the status (1800-947-1444), plus he gave me contact no. of his department (1800-277-3700).
Once I disconnect the call I thought it looks like a scam, so I googled the number he called from, i.e 1800-277-3700 and found that some people are saying that it is a USBank number and others are saying it is a scam. Worried I called the number at the back of my Cash Reward Card to check what is going on. The CSR says we do not have any such information and she checked the no. (1800-277-3700) and said this is not their number. I asked her about the other number (1800-947-1444) which I simultaneously checked on USBank site and it was indeed USBank's no. for their underwriting services. She said the same but she said that she thinks the call was a scam.
Next, I call the no. to check the status and to confirm what is going on and when I provided my SSN, it said my application is under review. I then opted to talk to a CSR on that line and he says yes your application was submitted today is under review and we just need to verify few details like your address, phone no., etc.!!!!
Now I do not know what is going on. I think it was a valid call, but.......
