Reply
Valued Contributor
Imhotrodcrazy
Posts: 1,333
Registered: ‎03-11-2009

Anyone with 3 CC's with US Bank?

Just curious, is there anyone out there who has 3 CC's with US Bank?  I have a LOC at 15K and a Cash+ at 15K, but I have wanted their Harley-Davidson sig for some time now, but I am not sure if they will approve me as I already have 30K with them now.  My Amex is 13K and that is the total of my CL's.  My history is perfect with them and Amex.  If you have more than two lines with them, please let me know.  Your input is appreciated. 

FICO
EX 842 3/27/14 (Myfico)
EQ 752 4/6/14
TU 799 4/13/14 (Myfico )

US Bank Cash+ 19.5k, LOC 15k, Amex BCE 15k
Last app. 12/2011

Goal - At my age, just staying alive


Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Anyone with 3 CC's with US Bank?


Imhotrodcrazy wrote:

Just curious, is there anyone out there who has 3 CC's with US Bank?  I have a LOC at 15K and a Cash+ at 15K, but I have wanted their Harley-Davidson sig for some time now, but I am not sure if they will approve me as I already have 30K with them now.  My Amex is 13K and that is the total of my CL's.  My history is perfect with them and Amex.  If you have more than two lines with them, please let me know.  Your input is appreciated. 


Yes, I have LOC, Bed, Bath and Beyond MC , Cash + and Flexperks Business Card.  I have more accoutns with US bank than you. I don't think you have any problem. 

 

 

Ron.

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Anyone with 3 CC's with US Bank?

I used to have three credit cards, but closed one. At the time I had less than a year of history, so they were a bit worried about general credit exposure.

 

They don't seem to care about the number of cards as much as they care about the limits on all cards combined. If your history and income match the total limits, then you are good to go. Also, if you want another cards but they don't want to extend you more credit yet. Then you can line swap from other accounts to open the new account.

 

IE a $10k flexperks could instead become a $5k cash+ & $5k flexperks.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
Imhotrodcrazy
Posts: 1,333
Registered: ‎03-11-2009

Re: Anyone with 3 CC's with US Bank?

Thank you Ron and Dustink.  Now I can make an informed decision.

FICO
EX 842 3/27/14 (Myfico)
EQ 752 4/6/14
TU 799 4/13/14 (Myfico )

US Bank Cash+ 19.5k, LOC 15k, Amex BCE 15k
Last app. 12/2011

Goal - At my age, just staying alive



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+