topic Re: Got rejected with a 811 credit score! in Credit Card Applications

Got rejected with a 811 credit score!

captain9 — Mon, 05 Apr 2021 15:35:06 GMT

Applied for the US Bank Altitude Signature card. Got a notice 7 days later. Too many tradelines open??? I only got a car loan in the last 12 months. Looking to buy a million dollar in real state soon too. Have a 2% credit usage. Anyone ever get rejected from them? Any recommendations for good resturant rewards card?

Thanks,

Re: Got rejected with a 811 credit score!

Ficoproblems247 — Mon, 05 Apr 2021 15:35:35 GMT

@captain9 wrote:
Applied for the US Bank Altitude Signature card. Got a notice 7 days later. Too many tradelines open??? I only got a car loan in the last 12 months. Looking to buy a million dollar in real state soon too. Have a 2% credit usage. Anyone ever get rejected from them? Any recommendations for good resturant rewards card?

Thanks,

Have you tried to call in for recon? If you really want the card I would call and see what they say regarding the denial. They will likely give you the option of recon, however be prepared for an additional HP if that's the route you chose to take. If it were me, and I had targeted the card and already apped and taken a HP for it, I would go for the recon. Good luck and keep us posted as to the outcome.

Re: Got rejected with a 811 credit score!

blindambition — Mon, 05 Apr 2021 15:39:24 GMT

I would recon if you've only had auto loan in last 12 months. Those HP can be explained as auto shopping.

Re: Got rejected with a 811 credit score!

Brian_Earl_Spilner — Mon, 05 Apr 2021 15:42:05 GMT

I'm going to assume you were talking about the altitude go, but if you're talking about the altitude reserve, are you an existing banking member?

Re: Got rejected with a 811 credit score!

captain9 — Mon, 05 Apr 2021 16:24:10 GMT

I called recon. She said I have 3 inquiries in last 12 months? I do remember now about a Discover card but thats it.

I applied for the Altitude Go for resutrant cashback since Im going out more after the last 12 months of hermitting.

I will call equifax and get a report and see whats going on...

Re: Got rejected with a 811 credit score!

Ficoproblems247 — Mon, 05 Apr 2021 16:37:27 GMT

@captain9 wrote:
I called recon. She said I have 3 inquiries in last 12 months? I do remember now about a Discover card but thats it.

I applied for the Altitude Go for resutrant cashback since Im going out more after the last 12 months of hermitting.

I will call equifax and get a report and see whats going on...

So you did not recall opening up a Discover card over the past 12 months? You stated "inquiries," so does that mean you applied for Disco and were denied with scores in the 800s as well? USB generally has a 1/12 rule, where they will not issue you a card if you have opened more than 1 account within the last 12 months. Was it ONLY the auto loan and Discover card that were opened? If that is the case it sounds like there could be more to the story. I could be totally off base but ultimately it's USB's decision. Are you pulling your EQ report to see how many accounts you've actually opened over the last 12 months?

Re: Got rejected with a 811 credit score!

Anonymous — Mon, 05 Apr 2021 18:53:09 GMT

@blindambition wrote:
I would recon if you've only had auto loan in last 12 months. Those HP can be explained as auto shopping.

But was the denial about too many tradelines (OP's OP) or too many inqs?

Re: Got rejected with a 811 credit score!

captain9 — Tue, 18 May 2021 13:57:34 GMT

Oh yeah I think it was tradelines. The only new credit card I got was Discover IT last August.

Anywho, their U.S. Bank Altitude Connect Visa Signature Card seems to be new and I do need a sign up bonus to fund a vacation pretty soon, will this also result in a denial and hence I should not apply?

Re: Got rejected with a 811 credit score!

coldfusion — Tue, 18 May 2021 18:56:44 GMT

@captain9 wrote:
Oh yeah I think it was tradelines. The only new credit card I got was Discover IT last August.

Anywho, their U.S. Bank Altitude Connect Visa Signature Card seems to be new and I do need a sign up bonus to fund a vacation pretty soon, will this also result in a denial and hence I should not apply?

You would be correct.

Re: Got rejected with a 811 credit score!

firefox100 — Sun, 23 May 2021 21:31:34 GMT

This does not make sence, last year I was approved for the Altitude go card with 1 inquiry and more then 18 accounts. You may want to open a checking account or another deposit product with US bank that may help. If you need the bonus to fund a trip, you have problems. it is nice to open a new account for the bonus when you have large charge comming up.

Re: Got rejected with a 811 credit score!

captain9 — Tue, 25 May 2021 19:56:58 GMT

@firefox100 wrote:

This does not make sence, last year I was approved for the Altitude go card with 1 inquiry and more then 18 accounts. You may want to open a checking account or another deposit product with US bank that may help. If you need the bonus to fund a trip, you have problems. it is nice to open a new account for the bonus when you have large charge comming up.

Whats your score? And thats what I meant, I have a trip coming, so would like to get some cash backs on it.

I was looking to open a DD account with them, just gotta wait till I juice HSBC's bonus checking for now....

Re: Got rejected with a 811 credit score!

Remedios — Tue, 25 May 2021 20:02:00 GMT

@firefox100 wrote:

This does not make sence, last year I was approved for the Altitude go card with 1 inquiry and more then 18 accounts. You may want to open a checking account or another deposit product with US bank that may help. If you need the bonus to fund a trip, you have problems. it is nice to open a new account for the bonus when you have large charge comming up.

You didn't open 18 accounts in one year.

I don't even see what 18 accounts on the report have to do with accounts opened in the past 12 months.

So yeah, it makes perfect sense.

Re: Got rejected with a 811 credit score!

babygirl1256 — Wed, 26 May 2021 02:04:55 GMT

Wow, rejected with a score of 811 is really a bummer . . . Hoping that you can possibly get approved on a recon!