Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,818
Registered: ‎03-11-2009
0

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 08
TU 839 6/12/16
EX 827 6/12/16
EQ 828 6/12/16
(NASA 30K) ( Amex 30k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Super Contributor
Posts: 8,180
Registered: ‎05-23-2009
0

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
Posts: 3,099
Registered: ‎10-02-2012
0

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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Highlighted
Valued Contributor
Posts: 1,818
Registered: ‎03-11-2009
0

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

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

FICO 08
TU 839 6/12/16
EX 827 6/12/16
EQ 828 6/12/16
(NASA 30K) ( Amex 30k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.