@TroysMom1 wrote:I'm prequalified for the Cash+, Perks+, and platinum cards, and the apr ranges were shown for each card. However, my scores are in the 650s across the board, but my mortgage is through U.S. Bank. It never occurred to me to apply for one of their cards (and I won't until my scores improve), but I'm surprised to read that many are only prequalifying for the debit/secured card when I'm sure their scores are higher than mine. I'm still waiting to see if anyone has gotten approved with lower scores.
If they're showing you APR ranges, then you're not pre-approved. Did any of the cards have a red banner with "Pre-qualified" on it above the card?
Never seen this red banner and I do have firm apr's.. This is new to me, doesn't mean another person application will be a denial. I tend to believe if you have a mortgage/banking relationship with them and a decent fico and haven't burnt them in the past you have a good shot not necessarily at the cash+ but the cash rewards or platinum or what not. As always, nothing is guranteed in the Credit card world, even the RED banner could be declined
@CreditCuriousity wrote:Never seen this red banner and I do have firm apr's.. This is new to me, doesn't mean another person application will be a denial. I tend to believe if you have a mortgage/banking relationship with them and a decent fico and haven't burnt them in the past you have a good shot not necessarily at the cash+ but the cash rewards or platinum or what not. As always, nothing is guranteed in the Credit card world, even the RED banner could be declined
Just pulled the trigger and...INSTANT APPROVAL FOR $15K!!!
j/k 
@thelethargicage wrote:
@CreditCuriousity wrote:Never seen this red banner and I do have firm apr's.. This is new to me, doesn't mean another person application will be a denial. I tend to believe if you have a mortgage/banking relationship with them and a decent fico and haven't burnt them in the past you have a good shot not necessarily at the cash+ but the cash rewards or platinum or what not. As always, nothing is guranteed in the Credit card world, even the RED banner could be declined
Just pulled the trigger and...INSTANT APPROVAL FOR $15K!!!
j/k
From your Cards and CL you might actually get an instant on the cash+, but 15k not so sure of with US Bank or at least initially
@CreditCuriousity wrote:
@thelethargicage wrote:
@CreditCuriousity wrote:Never seen this red banner and I do have firm apr's.. This is new to me, doesn't mean another person application will be a denial. I tend to believe if you have a mortgage/banking relationship with them and a decent fico and haven't burnt them in the past you have a good shot not necessarily at the cash+ but the cash rewards or platinum or what not. As always, nothing is guranteed in the Credit card world, even the RED banner could be declined
Just pulled the trigger and...INSTANT APPROVAL FOR $15K!!!
j/k
From your Cards and CL you might actually get an instant on the cash+, but 15k not so sure of with US Bank
I originally apped for the Cash+ 3 years ago while still on a DMP (my ex-wife had maxed out all my cards, so I paid a company to negotiate lower interest rates and distribute the payments; I was never delinquent though), and they approved me for the Cash Rewards card with a $6.5K CL. I upgraded to Cash+ 6 months later and got a CLI to $10K (I was off the DMP by then). I ended up closing the card because I just didn't like dealing with US Bank--outdated site, clunky mobile app, odd credit reporting practices (they report your balance on the last business day of the month as opposed to statement closing date). I'm tempted to app for it again, but I've noticed they keep nerfing it. Besides, I already made that mistake my DC.