U.S. Bank 5%/2% Cashback Visa Siggy

[cableguy123]

i applied also I have tooo many inqs... Told me it will take 2-3 days asked me why i had them told them new card mortgage etc they said everything else looked good.. Soo we will see will keep everyone posted!

[CTSoxFan]

Once I am done with the mortgage process I think we will be going for this card. 5% on restaurants and at Home Depot would be clutch. Since you can change them quarterly you can really make it happen rotating with Chase Freedom and Discover.

[hegemony]

Just called to try to convert my linuxfund.org visa siggy to this and was told it's not possible. Will probably try again at some other point but not looking great.

 

several months ago I tried to convert my old RBS Kroger card (bought by USB) and it could not be converted to ANYTHING. I closed it.

[hegemony]

so who else has applied?

 

I was pleased to see that US Bank accepts JOINT applications for this card...

Edited June 8, 2012 by hegemony

[gbar]

Just called to try to convert my linuxfund.org visa siggy to this and was told it's not possible. Will probably try again at some other point but not looking great.

 

several months ago I tried to convert my old RBS Kroger card (bought by USB) and it could not be converted to ANYTHING. I closed it.

 

 

so who has applied?

 

I was pleased to see that US Bank accepts JOINT applications for this card...

 

I ended up applying. 7-10 day message. I'll probably close the linux card if I get this, its rewards do nothing for me at this point.

[hegemony]

BTW, they use ARS...so BUMPERS beware

[Ron1]

I decided to apply for the card and I got the following message:

 

 

 

 

 

Ron.

Edited June 8, 2012 by Ron1

[hegemony]

good luck Ron and everyone else!

[Ron1]

good luck Ron and everyone else!

 

 

Thanks Heg.

 

 

Ron.

[Ron1]

I checked EXP backdoor and they pulled EXP.

 

 

Ron.

[rohan]

I have high volume banking accounts with them for 4 years and they pulled EQ back then and they do ARs every couple of months. Not sure about CCs though. It seems like they have a totally separate dept. for credit card products.

[TauntingBull]

BTW, they use ARS...so BUMPERS beware

 

Apologize for my ignorance, but what does this mean?

[comptalk]

Amazingly, I was approved after a decision would be made in 7 - 10 days. Though, I have no idea what the credit line is yet.

[TauntingBull]

Amazingly, I was approved after a decision would be made in 7 - 10 days. Though, I have no idea what the credit line is yet.

 

Any idea of what your FICO is?

[comptalk]

Amazingly, I was approved after a decision would be made in 7 - 10 days. Though, I have no idea what the credit line is yet.

 

Any idea of what your FICO is?

 

At last check, a shade under 820.

[cableguy123]

Amazingly, I was approved after a decision would be made in 7 - 10 days. Though, I have no idea what the credit line is yet.

 

Any idea of what your FICO is?

 

At last check, a shade under 820.

 

 

Seems like everyone is getting the same 7-10 day message i just tried to call to check the status and their systems are down booooo!

[TauntingBull]

Amazingly, I was approved after a decision would be made in 7 - 10 days. Though, I have no idea what the credit line is yet.

 

Any idea of what your FICO is?

 

At last check, a shade under 820.

 

DANG! and YOU got a 7-10 days? These guys are conservative as hell....

[comptalk]

I'm surprised I got it at all. I just got five CCs last month (mainly for the signup bonuses). I think the utilization ratio is what saved me. According to FICO and TU, it's around 1%.

[gbar]

I'm surprised I got it at all. I just got five CCs last month (mainly for the signup bonuses). I think the utilization ratio is what saved me. According to FICO and TU, it's around 1%.

 

This bodes well for me, I just refinanced my mortgage and have 2-3 credit card related inquiries in the past month (depending on what everyone pulled) so I was a bit worried, but similarly low utilization.

 

What number are people calling to check the status?

[Ron1]

I'm surprised I got it at all. I just got five CCs last month (mainly for the signup bonuses). I think the utilization ratio is what saved me. According to FICO and TU, it's around 1%.

 

This bodes well for me, I just refinanced my mortgage and have 2-3 credit card related inquiries in the past month (depending on what everyone pulled) so I was a bit worried, but similarly low utilization.

 

What number are people calling to check the status?

 

The number is 800-947-1444.

 

 

 

 

Ron.

[gbar]

 

The number is 800-947-1444.

 

 

 

 

Ron.

 

Thanks. No decision yet. I'll take that as good news.

[Android01]

Well, I just called to see if I could PC to the new Cash+ card, and I did. It was completely seemless with no questions asked. It will have a new account number, but there will be no new account. All history remains the same when reporting to the CRA's. i should have asked for a higher CL, but I know that would have resulted in a hard pull. Granted, I've been a USB client for over twenty years, and I have my mortgage, a CC, and two credit lines with them, so I don't know if those items were a factor in my ability to do a PC.

Edited June 9, 2012 by Android01

[BobWang]

Congrats, Android!

[clutchcargo]

I got the 7-10 day response as well, I have EX frozen and tried the 1444 number to see if they needed my unfreeze PIN. The underwriters department is closed for tonight but I can call back tomorrow.

 

EX FICO is 789 UT is 1%

 

1 INQ on EX

 

We'll see...

[Android01]

I live in Minnesota, and USB has NEVER pulled EX for me, not even a soft. When they soft for AR, it's always EQ and TU. All applications I've made with them over time have been EQ. I think the mid-west is mainly EQ, while the west cost is mainly EX as far as CR pulling is with them.

Edited June 9, 2012 by Android01