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08-14-2012 08:08 AM
I couldn't resist the two selecteable 5% categories and applied for this one. They don't seem to do instant approvals for most folks. So, I called in. The rep said it is recommended for approval with a CL of $12k. I think I'll enjoy that card. We've got a lot of home improvement to do, and my Freedom and DIscover More don't have any of those categories currently. It's time now to take a break from applying.
Two new cards (the other being a Citi Simplicity with a $11k CL) and a CLI on an existing card (Boa) is enough! Time to garden.
08-14-2012 08:19 AM
08-14-2012 08:20 AM
Nice card! The option to chose 5% is a nice touch. I haven't seen any issuer offer that feature yet.
One of the few from US Bank that's actually compelling from a rewards standpoint. I like this and their Flexperks Olympic offer one.
You're right, these days US Bank (very, very inquiry sensitive) seems to have pending reviews for every applicant irrespective of Fico score.
08-14-2012 08:49 AM
I don't know my scores precisely. Somewhere in the 760ish. Mortgage lender pull three months ago yielded a range from mid 740s to mid 780s across all three bureaus. I only use Creditkarma, and I know for sure that they didn't pull TU (which I believe is what Creditkarma uses).
08-14-2012 11:26 AM
Congrats on the approval!! Do you mind sharing your scores and which credit report was used?
I just got the card a couple weeks ago and they pulled EQ only. It is a great card. I actually applied for one in my name and one in my wifes so we can maximize the 5% categories - especially like being able to use it for utilities, cell phone and insurance bills. Not to mention the $25 bonus every time you redeem $100.