US Bank 10 day notice on credit card app

[belairpatrol]

They pulled Experian I have 675 FICO and a 4 year relationship with Checking and Savings. 19 months past BK Discharge. They denied me 8 months ago because of BK.

I will call credit analyst Monday. What should I say????

[hegemony]

that you meant to apply for a BK friendly card with good consumer terms instead of a US Skank card.

[moneypyts]

Which card did you apply for?

[almostanonymous]

19 months... That seems really optimistic, especially with US Bank.

[Allisson0605]

Just got denied for the biz card .

767 FICO

Nothing Derogatory

Over 100 k income

AAOA 6.5 years.

 

UsSkank is right.

[hegemony]

Just got denied for the biz card .

767 FICO

Nothing Derogatory

Over 100 k income

AAOA 6.5 years.

 

UsSkank is right.

[almostanonymous]

USB gave me an instant approval in branch with my highest starting CL of any card. Guess they're definitely a YMMV sort of lender.

[virtualtreasure]

USB gave me an instant approval in branch with my highest starting CL of any card. Guess they're definitely a YMMV sort of lender.

Aren't they all? I'm sure even We Fee has some tried and true card holders, though hard to imagine how that could be

 

My annoyance with USB is that they asked all 3 to be thawed for an app to be processed, saying it's because they pull 'randomly', ack!

[belairpatrol]

US Bank FlexPerks Travel Rewards. What do you say when calling for reconsideration?? I have a 5 year checking/savings and auto deposit of pension.

[Allisson0605]

I usually start by politely emphasizing on all positive aspects of my profile and then kindly ask them to reconsider the original decision I casually mention that perhaps the denial was system generated and a seasoned Analyst would certainly not have denied it.

 

Sometimes it works!

 

If I don't get a fuzzy feeling when I hear the voice of Analyst , I hang up.

 

I am an Underwriter Profiler! I suppose .

[belairpatrol]

Is that fuzzy feeling different than nausea? I give used car salesman more ethics. Thanks for the auggestions.

[Cactus Flower]

USB gave me an instant approval in branch with my highest starting CL of any card. Guess they're definitely a YMMV sort of lender.

 

 

same here.. $12k right out of the gate... but it was all POST BK

[belairpatrol]

15 minutes wait for credit analyst to answer phone, and 30 seconds to tell us 5 years after discharge on any BK. Policy "written in stone" and nothing he could do. Why is this bank growing in popularity?

[virtualtreasure]

The only popular product is the Cash+, one of the best rewards cards of the moment.

[hegemony]

The only popular product is the Cash+, one of the best rewards cards of the moment.

 

the original cash+ sure but the current version is merely the best card from the second worse bank

[virtualtreasure]

 

The only popular product is the Cash+, one of the best rewards cards of the moment.

 

the original cash+ sure but the current version is merely the best card from the second worse bank

 

Ack! did I miss the boat...hadn't heard it got watered down?

[almostanonymous]

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

[virtualtreasure]

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

Yes please!

[hegemony]

CAPS ALL CAPS WITH US-SKANK

[cv91915]

 

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

Yes please!

 

 

If you spend $3,700 a year on those two things you need checkup from the neck up.

[hegemony]

 

 

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

Yes please!

 

 

If you spend $3,700 a year on those two things you need checkup from the neck up.

 

 

moreover:

 

 

• 5% cash back on your first $2,000 in combined net purchases² each quarter on two categories you choose (like department stores or cell phone service).³
• 2% cash back on your choice of one everyday category (like gas or groceries).³
• 1% cash back on everything else.
• No limit on total cash back earned.

 

 

[almostanonymous]

 

 

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

Yes please!

 

 

If you spend $3,700 a year on those two things you need checkup from the neck up.

 

 

I pay for plans for my immediate family for both, so $300 a month isn't altogether terrible. Also that factors in a $25 credit for waiting to redeem cash back until the value is > $100.

 

Moreover: The $2000 cap is per quarter.

Edited August 19, 2014 by almostanonymous

[virtualtreasure]

 

 

 

Cash+ is great for 5% on gym and cellphone. Earn $185 in cash back per year just for paying those two bills with this card.

Yes please!

 

 

If you spend $3,700 a year on those two things you need checkup from the neck up.

 

 

I pay for plans for my immediate family for both, so $300 a month isn't altogether terrible. Also that factors in a $25 credit for waiting to redeem cash back until the value is > $100.

 

Moreover: The $2000 cap is per quarter.

 

Looking to adopt by any streak of chance or luck