Cash+ approval but receive Cash Rewards?

[lg8302ch]

That type of behaviour from US Bank kept me from apping for the Cash+ card as I am not in their footprint and cannot apply in branch. Many phone apps ended like this. So once I have all other cards on my wishlist I will go for that gamble with US Bank. I truly hate to apply for  a card where the lender can simply change on their end. I much rather would get a denial for the Cash+ instead of a substitue card I did not request. Cash+ is the only card I am interested in and anything else I would not use anyhow. Still hope one day US Bank will change their terrible approval system with bait and switch policy.

[Bman70]

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@lg8302ch wrote:

That type of behaviour from US Bank kept me from apping for the Cash+ card as I am not in their footprint and cannot apply in branch. Many phone apps ended like this. So once I have all other cards on my wishlist I will go for that gamble with US Bank. I truly hate to apply for  a card where the lender can simply change on their end. I much rather would get a denial for the Cash+ instead of a substitue card I did not request. Cash+ is the only card I am interested in and anything else I would not use anyhow. Still hope one day US Bank will change their terrible approval system with bait and switch policy.

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There seems to be a good track record with PC later though - Themanwhocan and others have switched to Cash+ after as few as 2 months. Haven't heard of anyone being stuck with the lower tier card

[Kenny]

This card is worth gardening for to make sure that you have a better chance of approval. I know that it is one of my motivators to staying in the garden.

I know this has already been asked but on mobile right now and I'm curious is the bureau pull lender dependent or do they tend to pull a certain one? Thanks guys!

[-Wade-]

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@KennyRS wrote:
This card is worth gardening for to make sure that you have a better chance of approval. I know that it is one of my motivators to staying in the garden.

I know this has already been asked but on mobile right now and I'm curious is the bureau pull lender dependent or do they tend to pull a certain one? Thanks guys!

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They pulled TU when I apped

[Kenny]

Thanks Wade!

[Bman70]

TU also. Which was 766 or so at the time. I got 14.99% APR, one point higher than their lowest, so should be getting their internal score soon.

p.s. I apped in branch, California

[Anonymous]

EX for me, which I guess tells us that it varies!  This was in MA.

[-NewGuy-]

EX for me too. Also, you can just call the UW after you apply and verify that you were being considered for Cash +. I called, and didn't qualify for Cash + and they were trying to give me Cash Rewards. The UW said he could cancel the app right there, and that's what I did. No waiting for the card, no new TL on my CR, just the inq.

[woodyman100]

I think the issue is with US Bank. A few months ago, I applied for the cash perks + and was denied for too many inquiries. I reconned and explained the inquiries and the representative, who was very nice, said he saw I was a good customer and had other cards with them. He said I was approved and he stated he "would get his supervisor to overturn the denial". A week later, I got another letter stating I was denied for too many inquiries.

i honestly think their is another layer of UW's above the frontline people, that really don't care what you're told on the phone.

a version of this May have happened to you. You may have been downgraded at a final review.

just something to think about

[-Wade-]

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@-NewGuy- wrote:

EX for me too. Also, you can just call the UW after you apply and verify that you were being considered for Cash +. I called, and didn't qualify for Cash + and they were trying to give me Cash Rewards. The UW said he could cancel the app right there, and that's what I did. No waiting for the card, no new TL on my CR, just the inq.

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Hey Buddy, You could have always upgraded at a later date. Why did you turn it down?