topic Re: AMEX BCP & US Bank Altitude Go dual approval in Credit Card Approvals

AMEX BCP & US Bank Altitude Go dual approval

DivideByZero — Tue, 20 Jul 2021 16:27:50 GMT

Scores: EXP: 681 TU: 738 EQ:740

Background: Absolutely dismal credit history, military STAR card closed 05/2019 after not paying on it for over a year and paid off. Closed my AT&T account and didn’t know it still had a balance of ~$100 and moved to another state, so it just sat and went to collections. During the pandemic I was looking at getting my financial life in order and started the process of rebuilding. Low 600 score and got a Navy federal secured card 07/2020 and was automatically upgraded to cash rewards visa about 6 months later with a credit limit of $2,000. Credit utilization 0%. I was added as an authorized user on my wife’s Chase Amazon card and Chase Freedom Flex around the same time with a total credit limit on those two around $35,000 with 0% utilization. I had 0 hard pulls in the last year, and two total in 24 months.

Recap: Applied on 07/16/2021 for AMEX Blue Cash Preferred after prequalification soft pull, and was instant approved for $6,000. AMEX did their hard pull from EXP on my application. I wanted to get the number of open accounts up, and since I already had the hard pull I decided to gamble to try and open another account or two. On the same day I applied and was instant denied for Citi Custom Cash card-they did the hard pull from EQ. Pushing my luck, and I did not know it at the time but apparently US Bank is very stingy with approvals on the Altitude line of cards-I applied the same day for an Altitude GO card and got instant approval with a limit of only $2,000. US Bank also did the hard pull from EQ. I am quite happy with this result. I did some research and got conflicting information about Navy Federal credit limit increases about hard pulls for CLI, so I figured I already had the hard pulls anyway and I would not be applying for any more cards for a long time I decided to request a CLI for my cash rewards card and it was approved to $5,000 with no hard pull. Overall, based on my credit history I chalk this up as a fairly large win in the win column. I am happy that I decided to wait about a year before trying to apply before getting my first unsecured card after applying for the Navy Federal secured card-I think it helped my application to not have the hard pulls. For those of you struggling to rebuild, know there is hope-if I can do it, anyone can. Good luck all.

Re: AMEX BCP & US Bank Altitude Go dual approval

Irv02 — Tue, 20 Jul 2021 16:59:21 GMT

Congrats on your approvals!!!

Re: AMEX BCP & US Bank Altitude Go dual approval

KLEXH25 — Tue, 20 Jul 2021 17:15:37 GMT

Congratulations on all your approvals and credit rebuild success!

Re: AMEX BCP & US Bank Altitude Go dual approval

gingerflower — Tue, 20 Jul 2021 17:21:02 GMT

Congratulations on your awesome approvals! Enjoy 👍

Re: AMEX BCP & US Bank Altitude Go dual approval

gdale6 — Tue, 20 Jul 2021 18:06:23 GMT

Good job, grats to all your success!

Re: AMEX BCP & US Bank Altitude Go dual approval

sourpuss29 — Tue, 20 Jul 2021 19:01:09 GMT

Congrats on your approvals!🎉

Re: AMEX BCP & US Bank Altitude Go dual approval

Elpadrino1 — Tue, 20 Jul 2021 19:22:59 GMT

Congratulations on your approvals!!

Re: AMEX BCP & US Bank Altitude Go dual approval

G_Hiro — Tue, 20 Jul 2021 20:13:23 GMT

Congrats on your approvals!

I was approved for the GO with an SL of $1,000 and requested a CLI the day I receive the card. It was a HP but they increased my limit to $5,000 within the week in case. If you don't mind the inquiry, might be worth the HP if you aren't satisfied with your SL!

Re: AMEX BCP & US Bank Altitude Go dual approval

coreyb80 — Tue, 20 Jul 2021 21:06:51 GMT

Congrats on the approvals and the increase!

Re: AMEX BCP & US Bank Altitude Go dual approval

MyFault — Tue, 20 Jul 2021 21:28:57 GMT

Congrats on your approvals!

Re: AMEX BCP & US Bank Altitude Go dual approval

CreditAggie — Wed, 21 Jul 2021 04:01:02 GMT

Congratulations on your approvals!

Re: AMEX BCP & US Bank Altitude Go dual approval

Total80sKid — Wed, 21 Jul 2021 07:42:33 GMT

Congrats on both of your approvals 👍🏼

Re: AMEX BCP & US Bank Altitude Go dual approval

surferchris — Wed, 21 Jul 2021 15:07:08 GMT

Congrats!

Re: AMEX BCP & US Bank Altitude Go dual approval

Jordan23ww — Wed, 21 Jul 2021 15:22:52 GMT

Congratulations on your approvals and all your success!

Re: AMEX BCP & US Bank Altitude Go dual approval

M_Smart007 — Thu, 22 Jul 2021 14:36:26 GMT

Congratulations on your AmEx BCP and US Bank GO approvals!

Also your Navy CLI

Re: AMEX BCP & US Bank Altitude Go dual approval

DivideByZero — Thu, 22 Jul 2021 14:40:09 GMT

Climing the ladder starts on the bottom rung haha.

Re: AMEX BCP & US Bank Altitude Go dual approval

CYBERSAM — Fri, 23 Jul 2021 04:11:21 GMT

Congrats on your approvals!

Very nice pickups 👍👍

Re: AMEX BCP & US Bank Altitude Go dual approval

LadyJEsq — Fri, 23 Jul 2021 21:57:32 GMT

Congrats on your approvals!