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Posts: 11
Registered: ‎07-10-2009

What util does US Bank tolerate before AA?

I currently have a US Bank CC account, at approximately 52% utilization. What utilization level will US Bank tolerate before initiating AA (CLD, ratejack, etc.)?


I have not had any problems with them in the past but want to avoid AA while I pay down my balance.







Frequent Contributor
Posts: 320
Registered: ‎05-03-2009

Re: What util does US Bank tolerate before AA?

Your US Bank credit utilization would just be one factor in determining AA.  From talking with a loan officer, they would look (actually computer program would look) at your overall credit profile.  Important factors would be:  TOTAL UTIL ON ALL CARDS; ANY DERGOS IN YOUR CREDIT REPORT; UNUSUAL INCREASE IN UTIL; RECENT INQUIRIES; NEW CREDIT ACCOUNTS.


Its still prudent to keep low UTIL on all cards in this environment




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