topic Re: U.S. Bank Altitude Reserve in Credit Card Approvals

U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 01:41:59 GMT

I've shared before that the AR was somewhat my 'white whale', the card that was likely out-of-reach but it was fun to think about and it gave me a reason to continue gardening (goals, right?).

Anyway, I've been gardening for a while (as of last week only one new account in the last 12 months, a CSP in February) and I'm about as "pretty" credit-wise as I'm ever going to be. I figured that if there's ever a chance of getting the AR - even with a small credit line - this is the time.

I applied on Saturday night, and it went to review. I had mixed-feelings on that, since on the one hand I had already decided to not recon (either a denial or credit line) but on the other hand having to wait is never fun. When it went to review, though, I knew that at least I wouldn't be having to recon a denial since 'eyes' would already be on the app, and hopefully I wouldn't be stuck with a system-generated tiny credit line.

A few hours ago I got this message:

You could have knocked me over with a feather.

I would have been pleased with a $5k credit line, and over-the-moon with $10k, but $15k... I admit I'm quite happy.

I have a lot of credit for my income (many would say too much) but apparently that didn't bother them. I have no idea why they can be so tough on some with great profiles, but I suspect having all my secondary bureaus open and only having one new account in 12 months likely made a difference.

So for all my gardening friends, gardening really does work... I'm proof!

Re: U.S. Bank Altitude Reserve

Remedios — Tue, 16 Jul 2019 01:44:04 GMT

Congrats, @UncleB

We're card buddies

Re: U.S. Bank Altitude Reserve

CreditCuriosity — Tue, 16 Jul 2019 01:46:50 GMT

Congrats @UncleB !!! I knew you would get the card that you wanted! Your patience, low inquiries and awesome credit profile got you a killed SL for US Bank.. You have wanted that card for awhile and once again you showed us how it was done, the gardening skills which i lack severely has paid off! Grats my friend.

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 01:51:02 GMT

@Remedios wrote:
Congrats, @UncleB

We're card buddies

LOL... we sure are!

Thanks so much... I admit I'm happier than usual for a card approval (haha).

Re: U.S. Bank Altitude Reserve

simplynoir — Tue, 16 Jul 2019 01:51:12 GMT

Crawling out of lurkdom real quick to say congrats yo!!! 🍸🍸🍸🐄🐄🐄🥩🥩🥩

Hoping I'll join the ranks myself at the end of the week. 😂

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 01:52:49 GMT

@CreditCuriosity wrote:
Congrats @UncleB !!! I knew you would get the card that you wanted! Your patience, low inquiries and awesome credit profile got you a killed SL for US Bank.. You have wanted that card for awhile and once again you showed us how it was done, the gardening skills which i lack severely has paid off! Grats my friend.

Thanks so much, my friend!

I admit it's sometimes tough to use restraint around here (so much temptation!) but I have to say that it really can pay off.

One thing is for certain... U.S. Bank will be getting all of my spend for a while!

Re: U.S. Bank Altitude Reserve

Remedios — Tue, 16 Jul 2019 01:53:21 GMT

@UncleB wrote:
@Remedios wrote:
Congrats, @UncleB

We're card buddies

LOL... we sure are!

Thanks so much... I admit I'm happier than usual for a card approval (haha).

I'm still happy and it's been weeks

I am so happy and excited for you, I'll skip whole " Told you so "

Re: U.S. Bank Altitude Reserve

Anonymous — Tue, 16 Jul 2019 01:56:43 GMT

Congrats on getting your white whale! What an awesome SL! Such and inspiration!

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 01:59:48 GMT

@Remedios wrote:
@UncleB wrote:
@Remedios wrote:
Congrats, @UncleB

We're card buddies

LOL... we sure are!

Thanks so much... I admit I'm happier than usual for a card approval (haha).
I'm still happy and it's been weeks

I am so happy and excited for you, I'll skip whole " Told you so"

Haha... you don't have to skip it, IMO you earned the right to that one!

Re: U.S. Bank Altitude Reserve

Anonymous — Tue, 16 Jul 2019 02:00:37 GMT

Wow UncleB, congrats!

Re: U.S. Bank Altitude Reserve

Remedios — Tue, 16 Jul 2019 02:01:21 GMT

@UncleB wrote:
@Remedios wrote:
@UncleB wrote:
@Remedios wrote:
Congrats, @UncleB

We're card buddies

LOL... we sure are!

Thanks so much... I admit I'm happier than usual for a card approval (haha).
I'm still happy and it's been weeks

I am so happy and excited for you, I'll skip whole " Told you so"
Haha... you don't have to skip it, IMO you earned the right to that one!

Told you so!

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 02:02:00 GMT

@simplynoir wrote:
Crawling out of lurkdom real quick to say congrats yo!!! 🍸🍸🍸🐄🐄🐄🥩🥩🥩

Hoping I'll join the ranks myself at the end of the week. 😂

Thanks, @simplynoir!

Looking forward to having you in the club as well!

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 02:03:55 GMT

@Anonymous wrote:
Congrats on getting your white whale! What an awesome SL! Such and inspiration!

Thanks, @Anonymous!

This one really was a 'true' goal card; I even prepared for a denial with the thought that I would just try again after the first of the year. I am pleased that won't be necessary, though!

Re: U.S. Bank Altitude Reserve

Anonymous — Tue, 16 Jul 2019 02:08:23 GMT

Congrats on your new US Bank AR card!

Re: U.S. Bank Altitude Reserve

simplynoir — Tue, 16 Jul 2019 02:10:44 GMT

@UncleB wrote:
@simplynoir wrote:
Crawling out of lurkdom real quick to say congrats yo!!! 🍸🍸🍸🐄🐄🐄🥩🥩🥩

Hoping I'll join the ranks myself at the end of the week. 😂
Thanks, @simplynoir!

Looking forward to having you in the club as well!

Maybe next week instead 😂 Last few days have been busy and it looks like it'll keep that way

Re: U.S. Bank Altitude Reserve

M_Smart007 — Tue, 16 Jul 2019 02:16:06 GMT

A Big Congrats UncleB !!!

you even get a one of a kind, "LIKE A BOSS" Picture Too!

I trained Her for That Pose

Re: U.S. Bank Altitude Reserve

gdale6 — Tue, 16 Jul 2019 02:18:55 GMT

Well well, great SL from a conservative bank. Congrats.

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 02:24:35 GMT

@Anonymous wrote:
Congrats on your new US Bank AR card!

Thanks, @Anonymous!

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 02:29:29 GMT

@M_Smart007 wrote:
A Big Congrats UncleB !!!
you even get a one of a kind, "LIKE A BOSS" Picture Too!
I trained Her for That Pose

Thanks, @M_Smart007, and that's a fantastic pic!

Re: U.S. Bank Altitude Reserve

UncleB — Tue, 16 Jul 2019 02:30:58 GMT

@gdale6 wrote:
Well well, great SL from a conservative bank. Congrats.

Thanks so much, @gdale6!