topic US Bank Altitude Reserve (AR) Recon Approved in Credit Card Approvals

US Bank Altitude Reserve (AR) Recon Approved

TheFIGuy — Thu, 08 Dec 2022 04:55:13 GMT

Update:

All (3) (AR) cardmember services representatives were wrong. Just got a notification from UPS My Choice that I have a package from US Bank arriving tomorrow. The Service Level is UPS Next Day Air Saver.
Looks like they have changed shipping to standard USPS 7-10 business days to deliver. Not sure if this is because of cost cutting or temporary. But I HUCA 3x to (AR) card member services and received the same response.

US Bank Accounts:

Cash+ - $20k CL
Elan Financial Fidelity Rewards - $23k CL
Altitude Reserve - $5k CL (NEW)

Originally denied:

Maximum amount of unsecured credit already available
Too many revolving accounts

Called into the reconsideration department after receiving the denial letter and explained my case and history with US Bank and it went into manual review for 3 business days until today when I received an email notification of my approval. Happy they reconsidered my request but I may have to strongly consider in the future to manually Credit Line Decreasing (CLD) both Cash+ and Fidelity Rewards to open more runway for the Altitude Reserve on Credit Limits.

Income: Mid-Six Figures

Re: US Bank Altitude Reserve (AR) Recon Approved

CreditAggie — Wed, 07 Dec 2022 05:43:57 GMT

Congratulations on your US Bank Altitude Reserve approval!

Re: US Bank Altitude Reserve (AR) Recon Approved

M_Smart007 — Wed, 07 Dec 2022 16:37:13 GMT

Congrats on the Approval!

Re: US Bank Altitude Reserve (AR) Recon Approved

PullingMeSoftly — Wed, 07 Dec 2022 20:40:26 GMT

Congrats, glad you received a positive recon result! I wouldn't do any CLD, just follow the normal CLI schedule from here on out (every 7 mo), and you can work that one up.

Re: US Bank Altitude Reserve (AR) Recon Approved

FLLGuy — Wed, 07 Dec 2022 21:55:27 GMT

congrats! i thought US Bank was difficult when it comes to recons. Awesome that it worked out great for you.

Re: US Bank Altitude Reserve (AR) Recon Approved

KingRue8500 — Wed, 07 Dec 2022 23:53:50 GMT

Congrats on your U.S. Bank Altitude Reserve approval

Re: US Bank Altitude Reserve (AR) Recon Approved

TheFIGuy — Thu, 08 Dec 2022 00:31:01 GMT

@PullingMeSoftly wrote:
Congrats, glad you received a positive recon result! I wouldn't do any CLD, just follow the normal CLI schedule from here on out (every 7 mo), and you can work that one up.

Thanks for the advice, I was just assuming because they declined me for effectively "too much credit" they wanted to see less aggregate revolving unsecured credit with US Bank. But after doing a little research on here it looks like people have 80k+ of aggregate credit with just this card alone lol. I'll follow the direction of 7/months ask for CLI and expect HP.

Re: US Bank Altitude Reserve (AR) Recon Approved

cashorcharge — Sat, 10 Dec 2022 02:04:57 GMT

WooHoo! Congratulations on your USBank AR Approval!!!🎉🍾🥂