U.S. Bank says I have 'excellent credit'...

[Scamp]

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Creditaddict wrote:

Just talked to my local USbank person and credit cards require 620 score

flexline 620

flexline premier 720.

I'm sure there is slightly more to there qualifications than a flat 620 score, but good place to start.

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Thanks for the great info, C.A. 

Sounds like I'd be okay score-wise, if I do cave and app.

Can't decide if I'm happy or glum to know that, though!

[Anonymous]

yer talked me into it...........I'm going in!

If I'm not back in 20mins, call the Decline Police! I'll be the one angrily threatening the bank manager with my Decline letter!

[WhirledPeasPlease]

Keep us posted! 

[Anonymous]

Well that didn't hurt as much as I expected...........now where's that Bank Manager???

[Creditaddict]

further processing needed? did you provide e-mail? I got e-mail within a couple hours with approval with that message

[Anonymous]

Nah, they pretty much just said "NO".........thanks for nothing! (lol! kidding about that of course)

Thanks anyway

[Creditaddict]

call and ask for recon.

[Anonymous]

really?

ever had any luck with this?

got a backdoor number?

thanks

[Creditaddict]

I don't see a back door number and have never called any number than what's on the back of my card... sorry

[Scamp]

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bobgr wrote:
really?

ever had any luck with this?

got a backdoor number?

thanks

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I don't have a backdoor number, but if I were in your shoes, I'd try calling an app number, if one is offered on the apping part of the website, or a 'call if any questions' number if they gave you one in their initial turn-down response thingy (Chase does this in their CLI denial emails) and see if anyone there can either handle a recon or put you through to someone higher up who CAN talk to you about your app and do a recon.

Hope this helps.

Keep us posted, if you try it - and good luck if you do!