In my post about a week ago I described how I applied for this card and was denied by underwriting for too many new accounts open (6) total in past 12 months. I called in once for recon, and the underwriter said there was no way they could reconsider. Thought I would call back the next day or two and get a different rep, unfortunately got the SAME rep!!?? Figured I was denied and chalked it up as a loss. Oh well.

Almost 8 days later I receive a notice in the mail saying US Bank was unable to process my application and that the information provided was inconsistent. Pretty sure I filled out the app correctly, so I phoned in, thinking what the hell, I have nothing to lose, underwriting already told me I was denied, but let's see where this leads. Called the number on the letter, was transferred to the Altitude Reserve department, and the rep said my email I provided was inconsistent with the name on my application. Told them it was my middle name I use for things like this, and they said ok sure no problem. She then said she would shoot my application over to underwriting for the final review. I'm thinking: great, this was a waste of time. I didn't tell her I already spoke to underwriting and they said I was denied, so off it went for final review (I guess). The rep said my card should be at my house in 2-3 days. I'm thinking "yeah right, ok".

Still thinking I was denied, I woke up a day after that phone call and logged into my US Bank account, and there was a new credit card section and line of credit showing. So I guess I got the card. US Bank is just weird, persistence wins in this case, possibly some luck. Whatever you do, know that underwriting is full of witches waiting to say no for whatever reason.