No US Bank for me. What now?

[Anonymous]

This morning I gave US Bank a call, to apply for the US Bank Cash+ credit card that I have heard so much about from this forum. And, it really did sound awesome. Talking to a CSR that couldn't have been nicer. He explained everything in detail, took all my information, told me about their other card that offers 1% back on everything, etc.

He ran my application through and I was automatically denied for not only the US Bank Cash+ credit card, but also the one they offer that gives 1% back on everything. He then offered me a Student Visa card that US Bank offers, but I said no since I already have one from my own banking company. He told me that I could reapply in a few months, and they would keep my info on file. The main reason for denial was my income, and secondary was a thin file (3 years old..).

ETA: the phone number I called was 1-800-444-1244

Before, I officially head for the garden I would like one last credit card. This credit card would be used mainly at restaurants (both fast food & sit-down restaurants). At this point, I just want to apply for the companies that may actually consider me. Does anyone have any ideas? This is the list I've come up with:

Huntington Voice (3% restaurants)

PayPal Extras Mastercard (3x on restaurants) - I don't think I'll qualify for this, I've already been declined from the Debit Mastercard for using my college address.

Discover IT Chrome (2% on restaurants)

Chase Sapphire (2x on restaurants)

Out of those 4, which might I have the best shot at? Are there any others that I may be overlooking? I am NOT interested in the Freedom or Discover IT; their rotating categories are useless for me atm. Also, I don't qualify for Chase's AARP...I am not old enough for that one.

Additional details: Got denied by US Bank due to low income/thin file. Income: Roughly $16,000 (student...) AAoA: 1 year 6 months Oldest Account: 3 years Scores: Barclay says 727 for Fico. CreditKarma gave me a 752. HP inq: 4; one is falling off shortly.

Thanks everyone!

[keithB]

You are asking for advice but don't give any details about your income, FICO scores, utilization, AAoAs, etc... Kinda hard for someone to help you, don't you think?

[mongstradamus]

Why were you denied for the US bank Cash+ did they give you an reason ? As far as an restaurant card would go if you are only geting 2x back , i would just get fidelity amex is an better all around card since its 2x on everything not just restaurant. FICO score, AAOA , HP inq would be an good start to point you in the right direction though. 

[Anonymous]

A couple of years ago it was said US Bank looked for $30K income and a five year credit file with a card at $5K for CL. A lot has changed in the industry since two years ago. Near as I can tell the backroom says 720 to 740 FICO is good. Note, there are a many posters on this web site that were approved outside the parameters listed. I noticed that a recommendation for the Fidelity Amex was made. Keep in mind that in your area do the vendors pretty much take AX?

[Anonymous]

Thanks for the responses.

I have updated my OP with additional details.

Reason for denial: Low income/thin file

AAoA: 1 year 6 months

Oldest account: 3 years

Hard Inq: 4; one to fall off soon

Scores: Barclay says Fico is 727; CreditKarma lists me as 752.

Income: I'm a student. Roughly $16,000

[Closingracer99]

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@Anonymous wrote:

This morning I gave US Bank a call, to apply for the US Bank Cash+ credit card that I have heard so much about from this forum. And, it really did sound awesome. Talking to a CSR that couldn't have been nicer. He explained everything in detail, took all my information, told me about their other card that offers 1% back on everything, etc.

He ran my application through and I was automatically denied for not only the US Bank Cash+ credit card, but also the one they offer that gives 1% back on everything. He then offered me a Student Visa card that US Bank offers, but I said no since I already have one from my own banking company. He told me that I could reapply in a few months, and they would keep my info on file. The main reason for denial was my income, and secondary was a thin file (3 years old..).

ETA: the phone number I called was 1-800-444-1244

Before, I officially head for the garden I would like one last credit card. This credit card would be used mainly at restaurants (both fast food & sit-down restaurants). At this point, I just want to apply for the companies that may actually consider me. Does anyone have any ideas? This is the list I've come up with:

Huntington Voice (3% restaurants)

PayPal Extras Mastercard (3x on restaurants) - I don't think I'll qualify for this, I've already been declined from the Debit Mastercard for using my college address.

Discover IT Chrome (2% on restaurants)

Chase Sapphire (2x on restaurants)

Out of those 4, which might I have the best shot at? Are there any others that I may be overlooking? I am NOT interested in the Freedom or Discover IT; their rotating categories are useless for me atm. Also, I don't qualify for Chase's AARP...I am not old enough for that one.

Additional details: Got denied by US Bank due to low income/thin file. Income: Roughly $16,000 (student...) AAoA: 1 year 6 months Oldest Account: 3 years Scores: Barclay says 727 for Fico. CreditKarma gave me a 752. HP inq: 4; one is falling off shortly.

Thanks everyone!

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From the List I would suggest the Chrome or Sapphire ( If you have a Freedom you can transfer points between them)

OR the Amex another poster suggested 

[lonelyisland]

From your list, and what you have outlined, I would go for the Discover IT chrome.

AAOA and income are low, and you would get credit lines accordingly. 

In my opinion, its better to get a low CL on something like that, and wait til after garden, and better credit profile for some of the other cards.

Generally speaking 6 months of patience will get you a much higher original CL than the amount of a CLI on the same card in 6 months.