My spouse got the 7 to 10 day "manual" review
Here is another unusual datapoint.
My spouse has the US Bank Flex Rewards card basic with a low limit (approved in Aug 12).
She also applied to a Chase product in December.
No other inquiries in the past 6 months.
She is a homemaker (760+ score).
I am the joint account applicant (the guarantor) with a low 700s score.
I already have the Club Carlson Visa (Dec 12).
She got the 7 to 10 day message and after she called US Bank said that the application needs a manual review.
I wonder what the outcome would be.
I will report it here.
RM