12-04-2012 01:24 PM
i apply for Joint Account with my father. 11/01/2012
my dad credit score 668( heavy user ) he never care his credit score and never late on credit card payment( total credit limit 120 K) and 1 30 days late on auto loan jan/2012. 40% used on total CL
My 623 ( EQ myfico) 3 CO 2 over 5 year and 1 Paid over 3 year and 1 CA( medical CA) and 26% used on CL
today 12/04/2012 they SP on both of us. my dad down to 30% used , i down to 3% used of CL
i called check status everyweek. today i found out ( APPROVED ) 1 month for APPROVED . i know thats long,but US Bank have amazing of skip my medical CA and CO and skip score, i believe they look of history to approved credit card. Thanks US Bank. i can relax and garden until Jan/2014
GE And US Bank are amazing !
12-04-2012 01:50 PM
Wow!!! Im a Banker at US Bank and being a very conservative Bank, Im surprised on the Limit you were issued!! Congrats!
12-04-2012 01:55 PM
i PIF, my dad he used about 10 K -15 K for month for business. We are heavy User. Maybe this make USBank Approved for me. Thanks US Bank. i can back to life again. GE and US Bank bring me back to life .lol Love it
12-04-2012 02:04 PM
US Bank is a awesome Bank! once your in the door your offered really great CC's with awesome rewards, Loans at the lowest rates and much more!
12-04-2012 02:08 PM
I believe so.now when my credit better in dec/2013 I'll go for another usbank credit card! And close merrick and crap 1 lol
12-04-2012 02:56 PM
thanks . i still dont believe they approved for me my score 623 3 CO and 1 CA in my credit report. iam happy
12-04-2012 08:05 PM
Bump up for rebuilder .
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