US Bank Cash +

[dabossman]

This card has always been on my radar and one I've always dreamt of having in my Wallet. Rumor has it they pull TU, does anyone think I have a chance to be approved? do you think it would be better if I went into branch and applied and said that I will be switching to them for my primary bank?  My income is low, only 20k cuz I'm a Student, and i'll be taking out 56k in student loans this year for graduate school to start getting my doctorate. So I need to know now if I have a chance to qualify because once I take on this debt I won't my DTI will be crap, and I'm sure my score will drop, my newest account (Second BBR) hasn't reported yet so my AAoA is still 1 year and 11 months. Scores in Sig, should I go for it?

Also I get a free checking account if I have a CC from US bank, thats why I want to switch to them for my primary bank. I don't want any fees

[Skye12329]

I can't see your dog on mobile but they do manual review and it's fico 04 for them. I think with student loans and 20k income it might be too low. Hopefully others chime.

[dabossman]

well loans won't hit till later this year, like I don't start graduate school till august

[onstar]

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@Skye12329 wrote:
I can't see your dog on mobile but they do manual review and it's fico 04 for them. I think with student loans and 20k income it might be too low. Hopefully others chime.

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What dog???

LOL. I love auto correct (sig-->dog).

[longtimelurker]

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@onstar wrote:

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@Skye12329 wrote:
I can't see your dog on mobile but they do manual review and it's fico 04 for them. I think with student loans and 20k income it might be too low. Hopefully others chime.

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What dog???

LOL. I love auto correct (sig-->dog).

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Well, still correct if, as I assume, Skye12329 couldn't see the OPs dog on mobile (or probably even on computer)!

[Anonymous]

Seems like your situation is similar but not completely the same as mine. They seem to value income and debt very much.

I applied for Cash+. My TU was 709 I believe at the time. I'm in my last semester of grad school with $80k in loans. $43k in income. I was intially declined and told over the phone that my debt to income ratio was way too high. After asking for a recon I was approved for the Cash rewards Visa for $1,500.

Plan is to call every month until I can get it PCed to Cash+. Should go easier once I get a better job.

[noobody]

Is that mean you are going to ask HP CLI every month, until it reach 5K, then PC?

[Anonymous]

They pulled experian for me. In st. Louis area.

[Anonymous]

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@noobody wrote:
Is that mean you are going to ask HP CLI every month, until it reach 5K, then PC?

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On second thought, I may have to wait. Maybe 3 or 6 months before asking for a CLI and then PC. Is it confirmed impossible to PC without a 5,000 CL?

[takeshi74]

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@dabossman wrote:

Rumor has it they pull TU

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Check out the Credit Pulls Database (Google it).  I don't recall off the top of my head what they pulled for me.

EDIT: Looks like it was TU.

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@dabossman wrote:

do you think it would be better if I went into branch and applied and said that I will be switching to them for my primary bank?

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Doesn't really matter as going into the branch doesn't improve your credit.