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

US Bank Altitude Go Approval

Tinkiegrrl — Sat, 08 Jul 2023 10:44:59 GMT

After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:

Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k

Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.

Re: US Bank Altitude Go Approval

NoMoreDebt — Sat, 08 Jul 2023 11:33:13 GMT

congrats on the approval

Re: US Bank Altitude Go Approval

JoeRockhead — Sat, 08 Jul 2023 12:23:25 GMT

Congratulations on your approval!

Re: US Bank Altitude Go Approval

SouthJamaica — Sat, 08 Jul 2023 12:40:47 GMT

@Tinkiegrrl wrote:
After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:
Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k
Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.

1. Congratulations on the approval.

2. Pay it down before the statement cuts, even making multiple payments during the month.

3. My suggestion is to wait 6 months before applying for a CLI, and no it's not necessarily a hard pull. It will probably be a soft pull.

Re: US Bank Altitude Go Approval

Jordan23ww — Sat, 08 Jul 2023 15:11:30 GMT

Congratulations on your approval! I was able to get a $5000 soft pull limit increase on my Cash Plus card after 6 months. I was spending about $500 a month on it and paying it off before it reported at the end of each month. It had a starting limit of $8500. So it's possible a hard pull may not be necessary for you to get an increase in 6 months. Just keep your reports frozen if you want to be certain they don't hard pull you! Best wishes to you when you ask them!

Re: US Bank Altitude Go Approval

Jordan23ww — Sat, 08 Jul 2023 15:14:21 GMT

@SouthJamaica wrote:
@Tinkiegrrl wrote:
After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:
Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k
Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.
1. Congratulations on the approval.

2. Pay it down before the statement cuts, even making multiple payments during the month.

3. My suggestion is to wait 6 months before applying for a CLI, and no it's not necessarily a hard pull. It will probably be a soft pull.

@SouthJamaica This is exactly what I did! My limit increase at 6 months on my Cash Plus was a soft pull!

Re: US Bank Altitude Go Approval

Tinkiegrrl — Sat, 08 Jul 2023 16:05:51 GMT

@SouthJamaica wrote:
@Tinkiegrrl wrote:
After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:
Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k
Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.
1. Congratulations on the approval.

2. Pay it down before the statement cuts, even making multiple payments during the month.

3. My suggestion is to wait 6 months before applying for a CLI, and no it's not necessarily a hard pull. It will probably be a soft pull.

So US Bank prefers frequent payments over once a month?

Re: US Bank Altitude Go Approval

BigBS — Sat, 08 Jul 2023 16:25:04 GMT

Congrats!

Re: US Bank Altitude Go Approval

gingerflower — Sat, 08 Jul 2023 17:00:53 GMT

Congratulations!

Re: US Bank Altitude Go Approval

Rdbeetle — Sat, 08 Jul 2023 17:55:58 GMT

Congrats on your US Bank approval!!!

Re: US Bank Altitude Go Approval

CreditMagic7 — Sat, 08 Jul 2023 18:50:44 GMT

Congratulations on your US Bank approval!

Re: US Bank Altitude Go Approval

Lou-natic — Sat, 08 Jul 2023 19:05:55 GMT

@Tinkiegrrl wrote:
After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:
Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k
Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.

Congratulations on your approval and welcome to the Altitude Go family!

And yes it is a good sign that you didn't get the dreaded $500 initial limit. More good news is that CLIs can definitely be SP every 6 months.

USB is a "relationship" bank for sure. If I was you I would (and did myself) start a free checking account as that will be the easiest way to redeem your rewards and help build your relationship with them.

Re: US Bank Altitude Go Approval

SouthJamaica — Sun, 09 Jul 2023 04:35:35 GMT

@Tinkiegrrl wrote:
@SouthJamaica wrote:
@Tinkiegrrl wrote:
After nearly a week of waiting to hear their decision I finally got approved for the US Bank Altitide Go card. Unfortunately it is now my 2nd lowest limit card though. Only $2k.

Datapoints:
Pulled EX for me - I'm in NY. EX FICO 8 score is 764. I'm unsure what my FICO 9 is.
I was at 0/12 and 4/24 for cards at the time of application - 5/24 if you count a line of credit with my credit union though
Average credit limit across all 7 cards I had at the time was $9k
Average age of credit was 1 yr 8 months and my oldest account is 2yr 4 months
Income is $50k
Anyone have tips on getting a credit limit increase on US Bank cards? $2k is enough for my dining spend but utilization will be rather high. I would rather get auto credit limit increases as I know they hard pull for credit limit requests. Glad I didn't get the $500 starting limit they like handing out though.
1. Congratulations on the approval.

2. Pay it down before the statement cuts, even making multiple payments during the month.

3. My suggestion is to wait 6 months before applying for a CLI, and no it's not necessarily a hard pull. It will probably be a soft pull.
So US Bank prefers frequent payments over once a month?

No, I'm saying you should do that for the following reasons:

1. That way you can get lots of usage out of the card without having high "utilization"

2. That will help you when applying for a CLI

Re: US Bank Altitude Go Approval

alextercero — Sun, 09 Jul 2023 17:28:21 GMT

Congrats on the approval

Re: US Bank Altitude Go Approval

CreditAggie — Mon, 10 Jul 2023 14:51:47 GMT

Congratulations on your US Bank Altitude Go approval!

Re: US Bank Altitude Go Approval

cashorcharge — Tue, 11 Jul 2023 01:36:51 GMT

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

Re: US Bank Altitude Go Approval

nytokyobred79 — Tue, 11 Jul 2023 04:34:39 GMT

Congrats on your US Bank Altitude Go approval.

Re: US Bank Altitude Go Approval

Snoutwater912 — Wed, 12 Jul 2023 22:58:25 GMT

Sorry to disagree with you, but in banking there is no "family", this is a business & people need to know that. Secondly, a "relationship" with a bank is not a free checking account with the bare minimum deposited. These institutions want to make money, nothing else. Any random fool can open a nominal checking account. Banks these days want players, not posers, Lou-natic. You are seriously mis-guided on how banks work & how to become a customer that banks want to keep, as opposed to one's they tolerate.

Re: US Bank Altitude Go Approval

s_haliz — Mon, 01 Jul 2024 23:11:21 GMT

Congrats! You Go Man!