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See if they can use that hard pull to get you another product. That way it isn't a wasted INQ. Explain that you would like to become a customer and want them to give you a shot with some kind of product. Then in 6 months or so apply for a CLI and PC.
US bank likes to see FICO's around 720 and DTI under 30%. I am an odd exception not an example of approval.
@Dustink wrote:See if they can use that hard pull to get you another product. That way it isn't a wasted INQ. Explain that you would like to become a customer and want them to give you a shot with some kind of product. Then in 6 months or so apply for a CLI and PC.
US bank likes to see FICO's around 720 and DTI under 30%. I am an odd exception not an example of approval.
I agree with this as well!
@afbar1114 wrote:
So I asked for a different card and it was a no go. Still because of debt to income
So your debt to income is too high?
Like you have a large mortgage, auto loan, ect and it equals a DTI that US Bank is not okay with. Or you have high utilization?