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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Us bank flex perks select rewards

Anyone know what kind of scores and such you need for this card? Thanks
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
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Re: Us bank flex perks select rewards

I think you need at least 700 to get approved and they are also inquiry sensitive. What is your credit utlization?

 

 

Ron.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Us bank flex perks select rewards

3% total utl.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

Re: Us bank flex perks select rewards


jsickz32 wrote:
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)?

 

 

Ron.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Us bank flex perks select rewards

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
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

Re: Us bank flex perks select rewards


jsickz32 wrote:
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. 

 

 

Ron.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Us bank flex perks select rewards

I have 16 on ex and 17 on eq. 14 are older than 6 months on ex and 14 are older than 6 months on eq. No us banks in my area at all.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Super Contributor
Ron1
Posts: 5,337
Registered: ‎05-23-2009
0

Re: Us bank flex perks select rewards

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. 

 

 

Ron.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Us bank flex perks select rewards

I been reading other threads were people say they were approved and they didnt have any us branches around them
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
cowboyguy
Posts: 197
Registered: ‎07-26-2012
0

Re: Us bank flex perks select rewards

Ron,

 

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?

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