topic Re: U.S. Bank Altitude Connect - $15k starting limit in Credit Card Approvals

U.S. Bank Altitude Connect - $15k starting limit

portlandmusician — Tue, 20 Sep 2022 22:47:41 GMT

Well, a week and a half ago I applied for the U.S. Bank Altitude Connect for the TSA pre-check (and the $500 SUB for $2k spend in four months). I got the dreaded 7-10 business day wait notification when I applied. I tried calling to see what the problem was, but was told until I get my letter, they couldn't help. So, I waited.

I got the letter last night, saying they couldn't verify my identity, and to call the Customer Authentication Department. So, I did that today. I waited on hold for 45 minutes, then was on the phone with them for about 5 minutes while they verified my identity. After that, I was told I would be notified by email or letter in 24-48 hours.

About two hours later I got an email (that went to my spam folder) that i was approved for $15k and would have my card in 4 days. I can't find the APR in the email or the app, so I'll wait on that. But, I was approved.

Re: U.S. Bank Altitude Connect - $15k starting limit

Priory_Man — Tue, 20 Sep 2022 22:50:48 GMT

Congrats on the approval and a healthy CL

Re: U.S. Bank Altitude Connect - $15k starting limit

wingennis — Tue, 20 Sep 2022 22:52:46 GMT

Wow, they really made you work for it. Congratulations.

Re: U.S. Bank Altitude Connect - $15k starting limit

KingRue8500 — Tue, 20 Sep 2022 23:36:33 GMT

Congrats on your U.S. Bank Altitude Connect approval

Re: U.S. Bank Altitude Connect - $15k starting limit

cashorcharge — Tue, 20 Sep 2022 23:37:59 GMT

WooHoo!! Congratulations on your US Bank Approval!!👏🏼🍾🥂

Re: U.S. Bank Altitude Connect - $15k starting limit

Traveler101 — Wed, 21 Sep 2022 00:01:33 GMT

Congratulations!

Re: U.S. Bank Altitude Connect - $15k starting limit

Stealth-1 — Wed, 21 Sep 2022 02:30:21 GMT

@portlandmusician wrote:
I waited on hold for 45 minutes

Wow, a 45 minute hold. Congrats on the card approval and nice SL.

Re: U.S. Bank Altitude Connect - $15k starting limit

calisig — Wed, 21 Sep 2022 03:36:49 GMT

would you mind sharing any of your data points at the time of application?

x/6 and x/12 new accounts

FICO score

congratulations

Re: U.S. Bank Altitude Connect - $15k starting limit

portlandmusician — Wed, 21 Sep 2022 18:55:58 GMT

@calisig Absolutely. Sorry for not putting that in initially.

They pulled TransUnion. I don't know my FICO on TransUnion at the time, but the FAKO on TransUnion VantageScore 3.0 (via U.S. Bank) was 815. My Experian FICO 8 at the time was 837.

I was 0/6 and 0/12 on new accounts. I was one month past 1/12 (U.S. Bank Altitude Go in August 2021). I purposely waited until I was 0/12 to apply for the Connect.

I had three hard inquiries on TransUnion at the time - four after U.S. Bank pulled TransUnion. One from December 2020, one from August 2021 (U.S. Bank), and one from September 2021 (denied for that card - Navy Federal Flagship).

My two other U.S. Bank cards - Cash+ ($14,900 starting limit) and Go ($15k starting limit) - plus a mortgage was U.S. Bank is my history with U.S. Bank. Mortgage is 15 years old.

I hope that helps.

Re: U.S. Bank Altitude Connect - $15k starting limit

babygirl1256 — Wed, 21 Sep 2022 21:30:56 GMT

Congrats on your U.S. Bank Altitude Connect Card approval.

Re: U.S. Bank Altitude Connect - $15k starting limit

Janneman — Tue, 27 Sep 2022 03:43:00 GMT

@portlandmusician wrote:
Well, a week and a half ago I applied for the U.S. Bank Altitude Connect for the TSA pre-check (and the $500 SUB for $2k spend in four months). I got the dreaded 7-10 business day wait notification when I applied. I tried calling to see what the problem was, but was told until I get my letter, they couldn't help. So, I waited.

I got the letter last night, saying they couldn't verify my identity, and to call the Customer Authentication Department. So, I did that today. I waited on hold for 45 minutes, then was on the phone with them for about 5 minutes while they verified my identity. After that, I was told I would be notified by email or letter in 24-48 hours.

About two hours later I got an email (that went to my spam folder) that i was approved for $15k and would have my card in 4 days. I can't find the APR in the email or the app, so I'll wait on that. But, I was approved.

congrat...told ya that very rarely US bank instantly approve applications lately in the last 8 months...my other friends and I all went thru verification process in order to get approved....

Yesterday I also got $500 SUB on this card despite of having $400 SUB last week on checking account... I had doubt if I would get this SUB on this card or not because someone over here posted some kinda terms n conditions of US bank stating that you could get only one SUB in certain periord of time from US Bank on any of accounts with them...So, glad that I got two SUB from them and now Im working on earning another $500 SUB from them on my business card with them that I got at the same time...

Re: U.S. Bank Altitude Connect - $15k starting limit

CreditAggie — Thu, 22 Sep 2022 05:31:49 GMT

Congratulations on your Altitude Connect approval!