Reply
Regular Contributor
jtc411
Posts: 169
Registered: ‎03-29-2012
0

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


Take the FICO Fitness Challenge
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Opinions, would I get approved?

www.whogavemecredit.com lol j/k:smileywink: 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 :smileywink:
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011
0

Re: Opinions, would I get approved?


gettnthere wrote:

www.whogavemecredit.com lol j/k:smileywink: 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)
Valued Contributor
jamesdwi
Posts: 1,734
Registered: ‎09-16-2011
0

Re: Opinions, would I get approved?

[ Edited ]

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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: Opinions, would I get approved?

[ Edited ]

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.

New Contributor
LilNYC
Posts: 184
Registered: ‎07-08-2012
0

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
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

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.

Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
0

Re: Opinions, would I get approved?

who gave me credit. lol= HAPPY DANCE. :smileyhappy:

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 $ ?

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+