US BANK cash +

[Anonymous]

I just applied for this card to establish a relationship with US bank. My application was submitted 3 days ago and still pending. Does the longer the pending time mean more likelihood of approval or nah?

And I have lots of inquiries on my TU and I know US bank can be sensitive to those. Does it really make a difference if I have my ARS/IDA frozen? Will these freezes give me a better chance of approval?

[Anonymous]

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@Anonymous wrote:

I just applied for this card to establish a relationship with US bank. My application was submitted 3 days ago and still pending. Does the longer the pending time mean more likelihood of approval or nah?

And I have lots of inquiries on my TU and I know US bank can be sensitive to those. Does it really make a difference if I have my ARS/IDA frozen? Will these freezes give me a better chance of approval?

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They ARS/IDA frozen usually means better chance of approval. Particularly Instant approvals on strong profiles that otherwise would have for whatever reason not passed the sniff test.

[noobody]

just be patient, very few people get instant from them

[B335is]

If it's your first US Bank card they take their time. Unless you have an existing banking relationship with them - most apps are manually reviewed.

[racer-x]

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@B335is wrote:
If it's your first US Bank card they take their time. Unless you have an existing banking relationship with them - most apps are manually reviewed.

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2 yrs ago, I was instant approved for the PLOC for $15k and Platinum Visa for $10k, and yeah I bank(ed) with them...direct deposit, etc...

I've since PC'd the Plattie to the Cash +

They pulled EQ on me....745 at the time.

[lg8302ch]

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@Anonymous wrote:

I just applied for this card to establish a relationship with US bank. My application was submitted 3 days ago and still pending. Does the longer the pending time mean more likelihood of approval or nah?

And I have lots of inquiries on my TU and I know US bank can be sensitive to those. Does it really make a difference if I have my ARS/IDA frozen? Will these freezes give me a better chance of approval?

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Since US Bank would not take a phone app for Cash+ I accepted the pre-approved offer for Perks+ to get in..waiting to PC. But even with this offer it took them 7 days to get my account approved. Just be patient and you can check the approval status over the phone but it will not tell you the limit.

edit: I thought of freezing IDA, ARS and Innovis but figured if it would lead to a denial the I for sure will do it. So far it has worked out with no negative for me.

[dollar_bill]

Getting things done with US Bank is like watching grass grow sometimes, can be very frustrating. I had the regular platinum card for years then it was upgraded to Cash + per phone call. Recently, they are pushing their premier line, which I went ahead and got. It's basically a no fee cash advance card, or in their words their unsecured line of credit.

The Cash+ can be useful if you have the right kind of spend to take advantage.

[NRB525]

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@dollar_bill wrote:

Getting things done with US Bank is like watching grass grow sometimes, can be very frustrating. I had the regular platinum card for years then it was upgraded to Cash + per phone call. Recently, they are pushing their premier line, which I went ahead and got. It's basically a no fee cash advance card, or in their words their unsecured line of credit.

The Cash+ can be useful if you have the right kind of spend to take advantage.

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No fee cash advances? Looks like everything is a 4% advance fee, whether from ATM or cash advance?

Perhaps the CC is no fee to charge?

No AF, yes, but not for the individual advances.

[score_building]

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@lg8302ch wrote:

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@Anonymous wrote:

I just applied for this card to establish a relationship with US bank. My application was submitted 3 days ago and still pending. Does the longer the pending time mean more likelihood of approval or nah?

And I have lots of inquiries on my TU and I know US bank can be sensitive to those. Does it really make a difference if I have my ARS/IDA frozen? Will these freezes give me a better chance of approval?

---

Since US Bank would not take a phone app for Cash+ I accepted the pre-approved offer for Perks+ to get in..waiting to PC. But even with this offer it took them 7 days to get my account approved. Just be patient and you can check the approval status over the phone but it will not tell you the limit.

edit: I thought of freezing IDA, ARS and Innovis but figured if it would lead to a denial the I for sure will do it. So far it has worked out with no negative for me.

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That's odd, before phone was actually the only way you could apply if there's no USB presence in state.

[Anonymous]

I applied for Cash+ over the phone. Wasn't approved and got cash rewards instead. Waiting for PC.