Valued Contributor
Posts: 1,385
Registered: ‎03-11-2009
Re: US Bank CC approval process?

jausanka wrote:

Thanks for the good vibes.. I should have mentioned that I only have a checking savings balance of $50/$25 which has been stagnant for 3 months as I got up the courage to hit the apply button.   Only opened the accounts so that I would be a "member" when apping for credit.  Shhhhhh! :smileywink:

Got Balanced chased AND ratejacked by Citi on two separate accounts in the last two months.  Went from 5.24% on an 11.3k Diamond preferred card to a closed Diamond preferred card with a $3,820 limit and $3,780 balance at 10.24%, and from $9.5k to $7240 on a 0% intro BT Citi Select card.  So my scores are in the toilet all of a sudden (45% util, tons of INQs from mortgage shopping and an app spree in June/July), so not expecting too much from any new apps.


Keep the faith. 

TU 802 7/11/14
EX 797 7/6/14
EQ 748 7/10/14

Cash+ 19.5 / Amex 16.5 / US Bank loc 15k / Chase Freedom 10.6k