US Bank credit card application status pending?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
38 posts
craigm1
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Location: toms river nj

Postby craigm1 » Thu Jul 19, 2012 12:09 pm

When I call the app status hotline it has changed from Not approved to App in Progress 3-5 Business days, still in the game
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14


MemberSince99
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Postby MemberSince99 » Thu Jul 19, 2012 12:28 pm

Cool good luck keep checking it and let us know.

Ratfacedudeguy
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Postby Ratfacedudeguy » Thu Jul 19, 2012 12:43 pm

I'm right there with you. Good thing I reconed as you suggested MemberSince99 because it turns out that my decline decision was based on the fact that they needed to verify my address. Not sure that would come up as a decline and not a "need verification" or something like that, but yeah I guess I'll have to be crossing my fingers in the next 3 to 5.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

MemberSince99
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Postby MemberSince99 » Thu Jul 19, 2012 12:47 pm

Good for you man. You gotta hang in there right up until the end because you just never know. If they decline you for another reason I'd try another recon. US Bank like Chase seems to be recon friendly if you get the right analyst to take a look. Hopefully you'll get this.

Me I'm done apping for 2012 it's been a ride now time to sit back and work with what I've got.

craigm1
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Postby craigm1 » Sat Jul 21, 2012 9:42 pm

logged on today and it says congratulations your approved seeing as when I spoke to the person who put my app back into underwriting and said I only want the cash + card I should be good to go, everyone on this board rocks I would have never thought to try and fight a decline!!!
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

MemberSince99
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Postby MemberSince99 » Sat Jul 21, 2012 10:05 pm

Congratulations that's great news! Enjoy your new card!

andrewket
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Postby andrewket » Fri Jul 27, 2012 2:06 pm

craigm1 wrote:logged on today and it says congratulations your approved


Where did you log on to check app status? I have the 800# but I haven't seen a webpage.

A

craigm1
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saga continues

Postby craigm1 » Sun Jul 29, 2012 7:39 pm

I get my card in the mail today and they approved me for a cash rewards visa with a straight 1% cash back, sadly my b of a is 1.25% and capital one is 1.5% they said if I use the card for 6 months it's upgradeable to a cash+ the limit is 2k, I can easily max it out monthly. I applied for the cash+ joint with my wife, her as the primary she has good credit hopefully that app goes through, I'm going to wait to activate the cash rewards they send me till later this week hopefully I get the cash + with my wife and can tell them to cancle the cash rewards. Is it worth me taking a half % bath on 2k a month for 6 months to build credit up with them to get the cash + card if I have to go that route, that would be $60 in cash back I would miss, but having 5% in restaurarants and bills if they always have that category would make me about $75 a month. I'm wondering if I'm crazy to even consider this, hopefully my joint app with my wife gets approved, otherwise is this even worth entertaining?????????????????
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Jul 30, 2012 6:29 am

I would think so yes but only you can decide. If they upgrade you the Cash + is a signature card which would mean you would have to get a minimum limit of 5000 dollars. So, if they are willing to upgrade you in 6 months, yeah I'd say so.

hematino
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Location: Atlantic City, NJ

Postby hematino » Mon Jul 30, 2012 1:17 pm

craigm1 wrote:I get my card in the mail today and they approved me for a cash rewards visa with a straight 1% cash back, sadly my b of a is 1.25% and capital one is 1.5% they said if I use the card for 6 months it's upgradeable to a cash+ the limit is 2k, I can easily max it out monthly. I applied for the cash+ joint with my wife, her as the primary she has good credit hopefully that app goes through, I'm going to wait to activate the cash rewards they send me till later this week hopefully I get the cash + with my wife and can tell them to cancle the cash rewards. Is it worth me taking a half % bath on 2k a month for 6 months to build credit up with them to get the cash + card if I have to go that route, that would be $60 in cash back I would miss, but having 5% in restaurarants and bills if they always have that category would make me about $75 a month. I'm wondering if I'm crazy to even consider this, hopefully my joint app with my wife gets approved, otherwise is this even worth entertaining?????????????????


They basically told me the same thing. They gave me the same card with a $3000 CL and APR in the mid teens and told me after 6 months of responsible use it was upgradable to a Cash+. I still really want that card, and this card frankly sucks, so I'm using it to pay utilities that I would otherwise get 2% on through my Fidelity Amex or Discover More autopay. Losing out on half the rewards is a**, but I'm really hoping it will pay off in the end. Worst case scenario if they don't wanna bump my CL 2k and product change me, I'll just let the card sit dormant except for the occasional pack of gum charge, and contribute to my average age of accounts. It's already open, closing it would hurt me more cause it will leave an account with only 1 month of history on my report for 7 years.
Now she's eyeless.
The snakes she held once
Eat up her hands.



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