U.S. Bank does not offer unsecured credit cards for bad credit. Most U.S. Bank unsecured credit cards require excellent credit for approval. You will need at least good credit to qualify for U.S. Bank’s Radisson Premier Visa Signature hotel rewards card – the easiest unsecured option.
If you have bad credit, U.S. Bank offers secured credit cards with higher odds of approval than unsecured cards. They include the U.S. Bank Visa, Harley-Davidson, and Aeromexico secured cards. These U.S. Bank secured cards require a minimum $300 security deposit to open the account. The deposit is placed in an interest-bearing account and is fully refundable when you close the account in good standing.
The majority of credit cards are unsecured, rather than secured. The primary difference between the two is that unsecured cards do not require a security deposit to open the account. Otherwise, they function exactly the same way and report to the credit bureaus the same way.
You can check your U.S. Bank credit card application status by either logging into your U.S. Bank account online or calling customer service at 800-947-1444 and providing your Social Security number. You’ll find out if your application is approved, denied, or pending.
In any case, it shouldn’t take much longer than a week to get a final decision. If you’re approved, your card will arrive in the mail within 10 business days of the decision being reached. And if you’ve been denied, you’ll receive a letter explaining why. If you want to check your status in the meantime, there are a few more details you need to know.… read full answer
Here’s how to check your U.S. Bank application status:
1. Application Status Phone Number: Call 1-800-947-1444, choose the first option from the menu and enter your Social Security number. U.S. Bank needs your SSN to locate your application.
2. Online Status Check: There are two ways to check your U.S. Bank credit card application status online: using your online banking ID and password or with your name, birthdate and Social Security number.
3. Three Possible Statuses: You will be approved, denied or told your application is still pending.
4. Standard Decision Timeline: You will receive a decision in the mail within 7-10 business days.
5. When You’ll Get Your Card: You’ll receive your card within 7-10 business days of being approved, if you’re approved.
If your application is denied, you can call the U.S. Bank credit card reconsideration line at 1-800-947-1444. Reconsideration lets you present your case to a credit analyst who can consider factors a computer algorithm might have missed as well as any relevant changes in your circumstances.
For those of you who have yet to apply, there are a few more things to be aware of. Perhaps most importantly, there are U.S. Bank credit cards for people with credit scores ranging all the way from bad to excellent. But they don’t all have U.S. Bank in their name. Many credit cards issued by U.S. Bank are co-branded, which means they’re named after the company or organization they’re affiliated with and often provide special benefits related to that group.
Plus, some offers are better than others for different types of people. It’s all about finding the card with the best terms for the types of transactions you plan to make that also gives you high odds of approval. You can find an overview of some of the top offers below.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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