topic Re: US Bank Altitude Reserve Approval in Credit Card Approvals

US Bank Altitude Reserve Approval

Anonymous — Tue, 17 Sep 2019 23:42:21 GMT

Recent cards: 2/6 3/12 5/24
Pulled TU (FICO8 744, 0 Inquiry)
AAoA: 9 months
Utilization: 0%
CL approved: 5k
Income: Low six-figure
Total CL at the time of application: 40k

So after getting Chase Hyatt for 22k CL and bumping my status to 5/24, I opened a US Bank checkings account and waited for one and a half month before applying for Altitude Reserve.

I did the application online on Sunday, and the message was "unable to provide a decision at this time". Surprisingly it didn't show the 7-10 day message. I called status check this afternoon and was happy to find it approved. I received the approval email that contained the CL an hour later.

I was a bit surprised by the 5k limit.. But I guess it's because of my short AAoA and the fact that the card was from US Bank.

Edit: Shipped Tuesday afternoon by UPS next day air saver from Fargo, ND. Will arrive Wednesday afternoon.

Re: US Bank Altitude Reserve Approval

M_Smart007 — Mon, 16 Sep 2019 23:47:58 GMT

Welcome To myFICO Forums and

Re: US Bank Altitude Reserve Approval

AllZero — Tue, 17 Sep 2019 01:58:18 GMT

Congratulations on your approval!

Re: US Bank Altitude Reserve Approval

Drwaz99 — Tue, 17 Sep 2019 09:28:52 GMT

Congrats!

Re: US Bank Altitude Reserve Approval

Anonymous — Tue, 17 Sep 2019 14:46:12 GMT

Congrats on your AR approval!! I was denied for the card earlier this year and am counting down the days until I can apply again (77, ha!)

Congrats again!!

Re: US Bank Altitude Reserve Approval

Winesnoblv — Tue, 17 Sep 2019 16:03:03 GMT

Congrats on the approval.

Great card to have. Works great with Samsung Pay for the 3x points.

Approved for a cli after 6 months.

Re: US Bank Altitude Reserve Approval

britt585 — Tue, 17 Sep 2019 16:23:09 GMT

congrats....where are you located?....i would love for them to pull TU....im in ga

Re: US Bank Altitude Reserve Approval

Anonymous — Tue, 17 Sep 2019 16:31:24 GMT

Congrats on the approval!

Re: US Bank Altitude Reserve Approval

Aim_High — Tue, 17 Sep 2019 20:58:31 GMT

@britt585 wrote:
congrats....where are you located?....i would love for them to pull TU....im in ga

I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported. This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

Re: US Bank Altitude Reserve Approval

Aim_High — Tue, 17 Sep 2019 21:02:12 GMT

Congrats on your Altitude Reserve approval

@Anonymous!

That's a very nice card to have!

Enjoy!

... and welcome to My Fico Forums!

Re: US Bank Altitude Reserve Approval

Anonymous — Tue, 17 Sep 2019 22:35:56 GMT

Congrats on the approval. Beautiful card to have!

Re: US Bank Altitude Reserve Approval

credit_is_crack — Wed, 18 Sep 2019 02:12:59 GMT

Congrats on the USB AR @amersandiago! This is a nice card and as long as you use up the travel credit you're looking at a max of $75 for the AF. It even beats the Apple card for ApplePay, and that's their whole business

Re: US Bank Altitude Reserve Approval

gdale6 — Wed, 18 Sep 2019 15:48:16 GMT

Fantastic approval from a conservative bank, congrats and welcome to myFico

Re: US Bank Altitude Reserve Approval

SEAlifer — Wed, 18 Sep 2019 19:23:45 GMT

Very nice! Sounds like they're less picky than Chase whose CSR starts with a $10K limit minimum.

Re: US Bank Altitude Reserve Approval

Anonymous — Wed, 18 Sep 2019 21:58:01 GMT

@Aim_High wrote:
@britt585 wrote:
congrats....where are you located?....i would love for them to pull TU....im in ga
I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported. This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

And I'm guessing you have to pay to get your FICO 9?

I was recently considering a US Bnk CC, but unsure how TU 9 would differ from TU 8.

Re: US Bank Altitude Reserve Approval

Aim_High — Wed, 18 Sep 2019 22:05:35 GMT

@Anonymous wrote:
@Aim_High wrote:
@britt585 wrote:
congrats....where are you located?....i would love for them to pull TU....im in ga
I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported. This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.
https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910
And I'm guessing you have to pay to get your FICO 9?
I was recently considering a US Bnk CC, but unsure how TU 9 would differ from TU 8.

I think FICO Bankcard 8 and FICO Bankcard 9 are extremely close.

Goldman Sachs pulled my TU FICO 9 for the Apple card and in my case, I think it was within 3 points or so of my last TU FICO 8.

Re: US Bank Altitude Reserve Approval

Anonymous — Thu, 14 Nov 2019 16:09:37 GMT

@Aim_High wrote:
@britt585 wrote:
congrats....where are you located?....i would love for them to pull TU....im in ga
I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported. This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

FWIW (and in this case shows that this is not the case!) US Bank told me that at least for the Altitude Reserve, the computer makes a random choice. My daughter has TU pulled, so I unfroze TU when I applied a few days later. I was told that they couldn't see the report and got the above explanation. I unfroze all three, and they pulled EX. Both of us were in MA.

Re: US Bank Altitude Reserve Approval

Aim_High — Tue, 24 Sep 2019 17:01:24 GMT

@Anonymous wrote:
US Bank told me that at least for the Altitude Reserve, the computer makes a random choice. My daughter has TU pulled, so I unfroze TU when I applied a few days later. I was told that they couldn't see the report and got the above explanation. I unfroze all three, and they pulled EX. Both of use were in MA.

That's different ... and interesting. Thanks for that info.

If you haven't already done so, that would be good info to add to the thread I mentioned.

has been updating that table as members update the DPs.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

Re: US Bank Altitude Reserve Approval

calyx — Tue, 24 Sep 2019 17:03:37 GMT

@Aim_High wrote:
@britt585 wrote:
congrats....where are you located?....i would love for them to pull TU....im in ga
I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported. This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

USBank pulled EQ (& Sagestream) for me when I applied for their secured Visa, so it's definitely not an "always" thing.
They did pull TU when I called about graduating

(NC)

Re: US Bank Altitude Reserve Approval

calyx — Tue, 24 Sep 2019 17:07:14 GMT

@Anonymous wrote:
Recent cards: 2/6 3/12 5/24
Pulled TU (FICO8 744, 0 Inquiry)
AAoA: 9 months
Utilization: 0%
CL approved: 5k
Income: Low six-figure
Total CL at the time of application: 40k

So after getting Chase Hyatt for 22k CL and bumping my status to 5/24, I opened a US Bank checkings account and waited for one and a half month before applying for Altitude Reserve.

I did the application online on Sunday, and the message was "unable to provide a decision at this time". Surprisingly it didn't show the 7-10 day message. I called status check this afternoon and was happy to find it approved. I received the approval email that contained the CL an hour later.

I was a bit surprised by the 5k limit.. But I guess it's because of my short AAoA and the fact that the card was from US Bank.

Edit: Shipped Tuesday afternoon by UPS next day air saver from Fargo, ND. Will arrive Wednesday afternoon.

Congrats! That's a great card!