topic Re: US Bank in Credit Card Applications

US Bank

Anonymous — Tue, 25 Aug 2020 06:41:34 GMT

Hello good Humans from Earth. I am currently 2/12 with my last card opened 4.5 months ago, which is prob the worst decision I ever made beacause......Costco and Covid. I love to hate shopping there. Anyway, I already have a Cash+ for 14 months with 15k limit but looking to either open the Altitude Reserve or Go.

TR 8 757, TR 9 754.

Utilization 7% highest usage card is Apple @2800/20k financing a MBP.

Should. I wait to age the Costco card to 6 months? Or is 2/12 ok enough? Any ideas?

Also Altitude Reserve or GO. Reserve with 50k point SUB and 3% CB on mobile pay is huge since almost everywhere I shop has gone contactless. Or should I pass GO and collect $200 or $250 and replace my nerfed Uber with

Re: US Bank

Anonymous — Tue, 25 Aug 2020 11:21:16 GMT

US Bank wants you to be no higher than 1/12 these days, especially for the Altitude. I would just wait unless you're okay burning an inquiry to find out.

Re: US Bank

Credit4Growth — Tue, 25 Aug 2020 23:51:44 GMT

@Anonymous

@Anonymous wrote:
US Bank wants you to be no higher than 1/12 these days, especially for the Altitude. I would just wait unless you're okay burning an inquiry to find out.

This ^^^ for sure. Give it some time. Great screen name!

Re: US Bank

Bdfpgtv — Wed, 21 Oct 2020 00:16:48 GMT

No higher than 1/12???

Re: US Bank

addicted_to_credit — Wed, 21 Oct 2020 00:37:52 GMT

@Bdfpgtv wrote:
No higher than 1/12???

Correct, US Bank can be very fickle but overall is a good bank.

Re: US Bank

ccquest — Thu, 22 Oct 2020 13:37:07 GMT

@Bdfpgtv wrote:
No higher than 1/12???

One new account/revolver in the last 12 months.

Re: US Bank

coldfusion — Thu, 22 Oct 2020 18:05:38 GMT

@ccquest wrote:
@Bdfpgtv wrote:
No higher than 1/12???

One new account/revolver in the last 12 months.

Even that is YMMV.

USBank is adverse to inquiries/new accounts even in the best of times, and like most other issuers they've tightened the screws even more.