I think you need at least 700 to get approved and they are also inquiry sensitive. What is your credit utlization?
3% total utl.
That's good. Do you have any late, past due or charge-off? How long do you have credit? What is your AAOA (Average Age of accounts)?
No lates, i had a charge off from a joint account with my dad that was only reporting to ex and tu but got them deleted this month, It has never affected me tho. My aaoa is 1 year on all 3, longest account is 5 years from that joint account. My credit is 3 1/2 years long
Looks good. How many inquiries do you have on your EXP or EQ? US Bank pulls either EXP or EQ. By the way, do you have any US Bank branch in your aread? I heard they will not accept your application if you don't live in servicing area. They also check ARS to check how many Visa/MC you applied recently.
US Bank didn't accept out of service areas application. They didn't even pull your credit when you live out of the area. The only card you can apply is co-branded cards. You might want to call them to seeif you can apply for the card.
How many inquiries would be considered fine in order to have a best shot at this card?
And is it the same card as U.S Bank Visa Signature? I heard Visa Siggy is their best card, right?