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Opinions, would I get approved?

Regular Contributor

Opinions, would I get approved?

I'm trying to take advantage of the Us Bank Flexperks Travel Rewards bonus promo for the Olympics.  My utilization is about 2% right now, and once this all hits in the next week I should be sitting around 730 EQ and similiar for Ex, and around 700 for TU because of 11 30 day lates in 2007.  The lates are wrong and will be disputed.  Below is my current stats

 

AAOA 4 Years

Oldest: 10 Years 8 Months

Income: 51k

 

Juniper 1100 CL

Discover More 1000 CL

Amex Zync

Cap One Rewards 750

Cap One Platinum 750

HSBC(now cap one) 300

BBRWZMC 300

Jared Store Card 7500

 

Thanks!  Please don't link me to whogavemecredit. 

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


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Message 1 of 9
8 REPLIES
Established Contributor

Re: Opinions, would I get approved?

www.whogavemecredit.com lol j/kSmiley Wink IMO, from the looks of it you should be good to go. GOODLUCK!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 2 of 9
Mega Contributor

Re: Opinions, would I get approved?


jtc411 wrote:

I'm trying to take advantage of the Us Bank Flexperks Travel Rewards bonus promo for the Olympics.  My utilization is about 2% right now, and once this all hits in the next week I should be sitting around 730 EQ and similiar for Ex, and around 700 for TU because of 11 30 day lates in 2007.  The lates are wrong and will be disputed.  Below is my current stats

 

AAOA 4 Years

Oldest: 10 Years 8 Months

Income: 51k

 

Juniper 1100 CL

Discover More 1000 CL

Amex Zync

Cap One Rewards 750

Cap One Platinum 750

HSBC(now cap one) 300

BBRWZMC 300

Jared Store Card 7500

 

Thanks!  Please don't link me to whogavemecredit. 

 


That could be a problem if they pull TU. Other than that, I think you'd be OK.

 




EQ FICO 548 3/3/16
Message 3 of 9
Regular Contributor

Re: Opinions, would I get approved?


gettnthere wrote:

www.whogavemecredit.com lol j/kSmiley Wink IMO, from the looks of it you should be good to go. GOODLUCK!


 

 

That is hilarious!

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 4 of 9
Valued Contributor

Re: Opinions, would I get approved?

The other issue is that they may not want to be the frist major credit card (AMEX, DISC, MC, VISA) to give you a limit over 3000, You may want to save the HP for now and AP for something with a better CL and easier to requirements... Chase Freedom. AMEX BCE?   

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 5 of 9
Super Contributor

Re: Opinions, would I get approved?


jtc411 wrote:

 

Thanks!  Please don't link me to whogavemecredit. 

 


LMAO...

 

For this card, especially with the US medal counts, the criteria will mostly be inquiries rather than score or utilization.  Those matter too, but not as much as inquiries and new accounts.  All applications for this card--rare exceptions--will be held for review--no instant approvals irrespective of Fico score.

 

So, if you have under 3 or 4 inquiries the past 6 months with no more than 3 new accounts, then app and you should be approved pending a review.  If not, then the odds aren't good, regardless of your Fico score.  Of all issuers, US Bank probably dislikes credit card churners and sign-up bonus seekers more than any other.

 

At 34,000 Flex points, this is the best sign up bonus I've ever seen US Bank offer.

Message 6 of 9
New Contributor

Re: Opinions, would I get approved?

Is this card easier than the cash + to get approved for?

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 7 of 9
Super Contributor

Re: Opinions, would I get approved?


LilNYC wrote:

Is this card easier than the cash + to get approved for?


Under normal circumstances, I'd say very similar.

 

However, with the excessively large sign-up bonus, I'd imagine US Bank would be more strict on inquiries and new accounts within the last 6 months.

Message 8 of 9
Highlighted
Frequent Contributor

Re: Opinions, would I get approved?

who gave me credit. lol= HAPPY DANCE. Smiley Happy

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 9 of 9