US Bank Approved or NOT?

[Ron1]

I would apply for this card and they have Kroger here. Ron.

[xnxo]

I was just curious. Were you approved? I just apped for a card with them Friday and it seems to feel like forever for a decision.

[bamagirl1]

kun0ra.

Hi & welcome to the forums..I applied last month for a US Bank card, it took a few business days to process.  I checked the automated line until it finally said approved.  If you applied on Friday, more likely than not nothing much got done on your application until today bc most underwrting depts work M-F..I'd give it a few days and then call the automated line and check on status of it..What card did you apply for? What does your reports look like (i.e. any collections, late pymts, inquiries or public record info)?

[xnxo]

Hello, I'm so new to this but I apped for a LOC not CC No collections 2 late payments in 2007 on a car note, A BILLION inquiries from last year unfortunately I went on an apping spree that I now wish I didn't. Now I have tons of new accounts that were only opened last year. The inquiries really hurt my scores BADLY. No public records.

I just called the application status line and was told was "not approved" explanation will come in the mail with my current score. I just read everywhere US Bank is more open to giving credit to those that have accounts with them. I have a mortgage with them as well as bank accounts.

Should I call them back?!

[LS2982]

I would call but its safe to assume the INQ's were the dealbreaker.

[xnxo]

I am thinking the INQ's were the dealbreaker too. I will probably give them a call back to see what I can do Doesn't hurt anyone.

[LS2982]

Good luck to you!