🧦 Bank Shopper Cash Rewards Approval (2024)

I didn't think I was going to get this one with USB using weirdo TU models. App'ed and it went to 7-10 day you'll get a letter... No letter showed but this landed in my email today.

I'm assuming the SL is $10K. TU08 - 812, 0/6, 4/12, 10/24

• Signature Cash Back VISA
• USBank

Congrats on the new card and SL!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)

do you have accounts with us bank or did you just cold app for the card?

Cold app.

I do have $45K in Elan CL's which I don't know if that history played into this.

@FicoMike0wrote:

Congratulations! They claim the card lights up. I haven't tried mine yet.

Like glow in the dark? Most credit cards have security features that show up under black light.

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@ChargedUpwrote:

I didn't think I was going to get this one with USB using weirdo TU models. App'ed and it went to 7-10 day you'll get a letter... No letter showed but this landed in my email today.

I'm assuming the SL is $10K. TU08 - 812, 0/6, 4/12, 10/24

Yeah you're spending limit is dramatically reduced on approval, but they will let you use it in digital wallets right away.

You might get an email about it or see it in the USB app.

Then when you receive and activate the physical card, your full credit line of $10k will be active.

Sorry I can't remember off hand what the temporary credit line was for me or what percentage it was, just that is was smallish (?). Again, it might show the amount in the USB app / web page.

Congratulations on your US Bank approval!

Current Cards (in order of approval):


Current FICO 8 | 9 (May 2024):
Credit Age:
Inquiries (6/12/24):
Banks & CUs:

0Kudos

@ChargedUpwrote:

@FicoMike0wrote:

Congratulations! They claim the card lights up. I haven't tried mine yet.

Like glow in the dark? Most credit cards have security features that show up under black light.

No, it's more like a small LED that lights up during tap-to-pay transactions.

May 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 10 yrs | AoORA: 36 yrs | AoYRA: 0 mos | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%