After reading about how hard it is to get in with US Bank for the yummy Cash+ card, I was scared to apply given my recent app spree (5 cards this month). No history with the bank at all, no intention of opening a bank account there. But I couldn't resist so pulled the trigger, got the 7-10 days notice, called in to hear the denial that my new accounts don't have enough history. Tried 3 times at the underwriting #, got a no hassle woman who put me in for manual review. I told her to note that I am completely okay with a low $500-1000 SL. Checked yesterday, told it's most likely approved, checked today to hear the approval for $1000.
FICOs are 730, perfect PIF payments since history started 18 months ago. I didn't do anything special besides noting that 1) I always PIF on time and 2) I am okay with the low SL, specifically saying that between $500-1000 is okay. Very very happy with the results! Hope this can help some others who have had trouble getting in with US Bank. Super worth the risk, now I am off to garden for real..