US Bank is Strange

[GobBluth]

A few days ago I applied for Club Carlson after being denied 3 months ago (I never put ARS/IDA on ice until recently). So it instantly goes to 7-10 day review. I waited 24 hours and saw they didn't even bother to HP. Since it was after hours I foolishly assumed it was auto-rejected due to the prior app.

 

So, I applied for the Flexperks Travel card, which said I was approved for $7k, 16.99% APR and was asked to either accept those terms or cancel. I accepted. Fast forward another 24 hours and the automated system can't find any record of any apps and it connects me to a rather surly CSR. They told me both apps were pending and a decision should be made by the end of this week. He said it had to just go through the process, but didn't elaborate.

 

I have no prior or current relationship with US Bank, but are they always so quirky with their decision process?

[hegemony]

yes they are quirky and opaque. good luck!

[Analysis]

It sounds like it is less their being " quirky " than it is your being very, very, anxious. Why did you not heed the clear warning to let their systems update?

 

Sometimes multiple online applications within a short period of time trigger the fraud systems, necessitating manual reviews....which takes time...

Edited January 14, 2014 by SBA

[GobBluth]

It sounds like it is less their being " quirky " than it is your being very, very, anxious. Why did you not heed the clear warning to let their systems update?

 

Sometimes multiple online applications within a short period of time trigger the fraud systems, necessitating manual reviews....which takes time...

And what was that clear warning? No hardpulls a day after the Club Carlson app? Their system not finding any record of me? Only after I applied for the Flexperks card did any mention of Club Carlson come up with them.

 

For whatever it's worth, both cards have been on my radar for quite awhile.