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Hi,
I am looking to apply for usbank cash+ signature card, here's my credit profile:
TU Fico 769 from discover
last credit pull - 04/2013 on TU for barclay sallie mae cc.
amex bce
discover it
citi forward
fidelity amex
All of the above has 5k+ limits
barclay sallie mae
chase amazon
chase freedom
The three cards above has less than 5k limits.
AAOA: 2 years 11 months
Newest account: 1 year 3 months
Oldest account: 5 year 9 months
Utilization ratio: about 1%
debt: 10k from student loan
My total credit limit is $43100 (almost half of it from amex bce...)
As a grad student my income is only 30k/year. Given that my total credit limit is about 143% of my income, how likely is it for US bank to approve my app for cash+? What if I get a CLD on AMEX and bring my total credit limit under 94%?
Thank you.
What is your utilization?
Totally forgot about my utilization ratio, because it is next to nothing.
It fluctuates around 1%, and I never carry balance.
Also, I have 10k student loan debt.
Thank you
I forgot AAoA and inquires they can be inquiry sensitive and having a bunch of new accounts.
opening post updated
The minimum income is $30k you may have a fair chance. When I got mine I knew I wouldn't be approved so I applied for the FlexPerks select and product changed at one year. My income is $25k net and they just gave me auto CLIs on both my cards $4k on my Ace rewards and $4.5k on my Cash+. If denied you maybe offered the Cash rewards and hopefully you can PC later. Good Luck if you apply.
My Credit limits are $58350 with a $25000 net income to answer your other question.