If you’re interested in getting the U.S. Bank Visa® Platinum Card, you’ll need to apply for it with no pre-approval. Also, you should know that this can even hurt your credit score. And you need to know that this card requires a high score for you to qualify and get the best chances of approval.

Well, you cannot be sure that you’ll get approved for the U.S. Bank Visa® Platinum Card because you can’t get a pre-approval. Also, you can get almost instant approval because they say you’ll get a response about your application in as little as 60 seconds. So, you’ll know if you fit the requirements almost right away!

Yes, you’ll need to make all the payments for this credit card. If you don’t, you’ll need to pay a late payment fee that goes up to $41. Also, in case of a returned payment, you’ll pay a fee that goes up to $41 as well! So, be careful always to make all your monthly payments on time. This way, you won’t have to pay those fees, and you’ll enjoy the intro APR period better!

In theory, if you just have a high credit score, you’ll have a higher chance of being approved for this card. However, it can be hard to reach this credit score, and you may not fit other non-mentioned requirements for this card. The good thing is that you’ll know if you got approved in as little as 60 seconds from the application!