topic Altitude Reserve Approval Data Point in Credit Card Approvals

Altitude Reserve Approval Data Point

NoHardLimits — Fri, 07 Oct 2022 19:35:07 GMT

I'm happy to report that I recently received an instant online approval for a US Bank Altitude Reserve card with a $20k starting limit. Existing US Bank relationship was only a single credit card (Altitude Connect).

Transunion pull. At time of approval, TU FICO8 was 828. TU inquiries and new accounts were at 0/6, 1/12, and 2/24.

Re: Altitude Reserve Approval Data Point

CYBERSAM — Fri, 07 Oct 2022 20:40:50 GMT

Congrats on your Altitude Reserve Approval 🤑👍

Re: Altitude Reserve Approval Data Point

PullingMeSoftly — Fri, 07 Oct 2022 20:43:04 GMT

Congrats, nice pickup!

Re: Altitude Reserve Approval Data Point

Anonymous — Fri, 07 Oct 2022 21:41:12 GMT

Grats on a good approval.

Re: Altitude Reserve Approval Data Point

Traveler101 — Fri, 07 Oct 2022 23:33:37 GMT

Congratulations 🎊 ..If you don't mind sharing, how long was your connect open for?

Re: Altitude Reserve Approval Data Point

NoHardLimits — Sat, 08 Oct 2022 00:09:57 GMT

@Traveler101 wrote:
Congratulations 🎊 ..If you don't mind sharing, how long was your connect open for?

I applied for Altitude Reserve the day after my 6th full statement cut for Altitude Connect.

Re: Altitude Reserve Approval Data Point

TheRedHat — Sat, 08 Oct 2022 00:23:19 GMT

Congrats on the approval!!

Re: Altitude Reserve Approval Data Point

NoHardLimits — Sat, 08 Oct 2022 00:26:30 GMT

Thanks, everyone, for the "congrats"!

I read through many myFICO posts about US Bank's tendencies before I decided that it was time for me to jump in. Once I was 0/12 in new accounts and inquiries, I started a relationship by applying for Altitude Connect. I diligently showed moderate and responsible use of Connect for over 6 months and then applied for Reserve. Instant online approval for both cards.

Re: Altitude Reserve Approval Data Point

Anonymous — Sat, 08 Oct 2022 02:38:19 GMT

Congrats

Re: Altitude Reserve Approval Data Point

CoolHandSean — Sat, 08 Oct 2022 16:45:40 GMT

Awesome bro! I was declined yesterday haha still have dreams and aspirations for that card tho.

Re: Altitude Reserve Approval Data Point

Stealth-1 — Sat, 08 Oct 2022 16:57:27 GMT

Congrats on the instant approval and nice SL. Awesome profile and strong data point stats.

Re: Altitude Reserve Approval Data Point

firefox100 — Sat, 08 Oct 2022 17:55:51 GMT

Congratulations on a nice approvals from US bank, they are very nice to deal with.

Re: Altitude Reserve Approval Data Point

CreditAggie — Sat, 08 Oct 2022 22:09:00 GMT

Congratulations on your Altitude Reserve approval!

Re: Altitude Reserve Approval Data Point

cashorcharge — Sat, 08 Oct 2022 23:52:03 GMT

WooHoo!! Congratulations on your USBank Approval!!👏🏼🍾🥂

Re: Altitude Reserve Approval Data Point

KingRue8500 — Sun, 09 Oct 2022 10:29:02 GMT

Congrats on your U.S. Bank Altitude Reserve approval

Re: Altitude Reserve Approval Data Point

gdale6 — Sun, 09 Oct 2022 14:52:59 GMT

Excellent SL on the AR, grats on the approval!

Re: Altitude Reserve Approval Data Point

NoHardLimits — Mon, 10 Oct 2022 07:42:28 GMT

Thank you for all the kind and encouraging comments!

I really owe a debt of gratitude to all of the myFICO folks who posted tips on how to make US Bank's underwriters happy. In a nutshell, you need to look like you pose little to no risk. No more than 2 new accounts in the past 12 months, and zero new accounts in 6 months improves odds for an approval. Also, once you have established a relationship with US Bank for over 6 months, they are more confident in their ability to properly assess your riskiness. The generous starting limit on the Altitude Reserve was especially appreciated as I am planning to make this my primary travel card.