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Since there are very few examples of peoples approval stats for this card on whogavemecredit I figured I would ask everyone here...
Please include
- Who they pulled
- Your score(s) at the time
- Number of inquiries as well as there age
- AAOA
- Number of cards showing a limit of 5k(+)
- Income
- Also the state in which you reside
- Any negatives
@7PM789 wrote:Since there are very few examples of peoples approval stats for this card on whogavemecredit I figured I would ask everyone here...
Please include
- Who they pulled
- Your score(s) at the time
- Number of inquiries as well as there age
- AAOA
- Number of cards showing a limit of 5k(+)
- Income
- Also the state in which you reside
- Any negatives
I applied for this card on July 24th and received the card on August 2nd. I love this card.
- Who they pulled..............Experian
- Your score(s) at the time.........741 EX, 727 TU, 723 EQ
- Number of inquiries as well as there age...........1 Inquiry on EX from Amex BCE approval in May 2012
- AAOA...............14 years
- Number of cards showing a limit of 5k(+)............3 cards (Amex, Discover, BofA)
- Income...........$132k
- Also the state in which you reside......Washington State
- Any negatives........1 30-day late from Feb 2010, 4 30-day lates from 2008
Good luck if you decide to apply. Happy Thanksgiving!!
@kevinjjc wrote:
What credit limit and APR did you get approved for?
They gave me a starting limit of $12,500 and my APR is 13.99%.
@CribDuchess wrote:
@7PM789 wrote:Since there are very few examples of peoples approval stats for this card on whogavemecredit I figured I would ask everyone here...
Please include
- Who they pulled
- Your score(s) at the time
- Number of inquiries as well as there age
- AAOA
- Number of cards showing a limit of 5k(+)
- Income
- Also the state in which you reside
- Any negatives
I applied for this card on July 24th and received the card on August 2nd. I love this card.
- Who they pulled..............Experian
- Your score(s) at the time.........741 EX, 727 TU, 723 EQ
- Number of inquiries as well as there age...........1 Inquiry on EX from Amex BCE approval in May 2012
- AAOA...............14 years
- Number of cards showing a limit of 5k(+)............3 cards (Amex, Discover, BofA)
- Income...........$132k.
- Also the state in which you reside......Washington State
- Any negatives........1 30-day late from Feb 2010, 4 30-day lates from 2008
Good luck if you decide to apply. Happy Thanksgiving!!
I feel a little weird about letting people know about the in and out of my credit.
You did get the card so really thats all that matters. The best cash back card out there!
@RonDawg wrote:
I feel a little weird about letting people know about the in and out of my credit.
You did get the card so really thats all that matters. The best cash back card out there!
Yes, I agree which is why I'm not posting mine.
Re "best cash back card out there" Really depends on where you spend. This year, Amex Blue Cash Preferred has been by the far the best I've had with very heavy grocery spend. Of course, with the cap, that will change, but I will be relying on PenFed's uncapped 3% for the remainder of the grocery spending to still get some decent reward. I am using Cash Plus for bill pay and restaurants,which are the best 5% categories for me, but with my spending profile, I'm not expecting huge cash back.
@bs6054 wrote:
@RonDawg wrote:
I feel a little weird about letting people know about the in and out of my credit.
You did get the card so really thats all that matters. The best cash back card out there!
Yes, I agree which is why I'm not posting mine.
Re "best cash back card out there" Really depends on where you spend. This year, Amex Blue Cash Preferred has been by the far the best I've had with very heavy grocery spend. Of course, with the cap, that will change, but I will be relying on PenFed's uncapped 3% for the remainder of the grocery spending to still get some decent reward. I am using Cash Plus for bill pay and restaurants,which are the best 5% categories for me, but with my spending profile, I'm not expecting huge cash back.
Well, I stopped short of posting my name, DOB and SSN. Lots of people here share their credit scores, their baddies, etc. I've certainly learned from other posters who have shared their credit statistics/experiences. But to each their own.
@7PM789 wrote:
I apologize if anyone became paranoid or was offended because of my request. Most of this information is prominently displayed in our signatures and the rest scattered throughout various posts. I just figured this thread would be a bountiful resource for those of us who would like to know what kind of a profile U.S. Bank is looking for.
I wasn't paranoid or offended, and I'm aware that people post a lot of information personal financial details on this site, and that's useful information for all. Just not my choice (for hopefully non-paranoid reasons).
That said, we got the card with scores (FAKO) of around 770, no bads ever, AAoA about 6 years, 9 cards > 5K. Two weeks before I applied for Fidelity Amex and Penfed Plat Rewards, so assume those were on the report for US Bank to see, and had refinanced a mortgage in Jan and in Sep, and had also applied for a Barclaycard in June. Experian reports 6 hard inqs, including one I guess from the app for US Bank.