topic Re: US Bank Credit Pull in Credit Card Applications

US Bank Altitude Reserve - Part Two

minski — Fri, 05 Aug 2022 16:32:29 GMT

Was denied the first time - 9/28/2019.

Today, I am 1/6, 1/12, 2/24. I app'ed via their website. Fico scores 780s to 800s. Low utilization. No derogatives. Low DTI; I have no loans and I pay in full.

I would have waited until I was 0/6 except I have upcoming travel expenses and I wanted to have the option of using AR which I knew may take a while if approved.

Got the 7-10 day notice.

*twiddles fingers*

Wasn't there a phone number that you could call to find out from automated system if you were approved or not before the 7-10 days?

If AR denies me , I suppose I could always app for Chase Sapphire Reserve.

Edit: They pulled EX. I'm in NY. Also, update - denial.

US Bank Credit Pull

minski — Tue, 02 Aug 2022 01:28:52 GMT

I am in NY and expecting possible large expenses for travel. I am thinking of applying for the Altitude Reserve but I froze TU a while back and in my failed efforts to unfreeze the report (issues with password), my account got suspended. What is the likelihood of USB attempting to pull TU rather than EX? They have pulled both at separate times for me in the past. I am hoping they will go with EX or even EQ this time but... :/

Re: US Bank Credit Pull

mau471 — Tue, 02 Aug 2022 13:32:01 GMT

I can't speak for NY, but for me both my REI card and business triple cash have used exclusively TU for both the original app and CLIs.

Re: US Bank Credit Pull

sportsguy83 — Wed, 03 Aug 2022 14:11:11 GMT

Can't speak for NY either but I was just approved for the Altitude Go and they pulled TU exclusively as well.

Re: US Bank Credit Pull

Bill77 — Wed, 03 Aug 2022 14:18:41 GMT

I'm not in NY, but Experian was pulled for my 2 us bank card approvals and Experian was attempted to be pulled (frozen) on an Elan application.

Re: US Bank Credit Pull

minski — Fri, 05 Aug 2022 01:24:26 GMT

Thanks, everyone.

I managed to get TU unfrozen which is just as well since they seem to pull primarily TU!

Re: US Bank Altitude Reserve - Part Two

BigBS — Fri, 05 Aug 2022 02:09:54 GMT

Think I have always seen US Bank card apps go to manual review. Probably a minimum of 3 days plus the upcoming weekend. Good luck.

Re: US Bank Altitude Reserve - Part Two

simplynoir — Fri, 05 Aug 2022 02:32:23 GMT

@minski wrote:
Wasn't there a phone number that you could call to find out from automated system if you were approved or not before the 7-10 days?

https://answers.usbank.com/answers/s/article/How-do-I-check-the-status-of-my-credit-card-application

Re: US Bank Altitude Reserve - Part Two

Remedios — Fri, 05 Aug 2022 03:01:40 GMT

@minski your two threads dealing with same application have been merged.

Cross-posting bad!

Re: US Bank Altitude Reserve - Part Two

minski — Fri, 05 Aug 2022 15:05:49 GMT

Second denial.

Re: US Bank Altitude Reserve - Part Two

PullingMeSoftly — Fri, 05 Aug 2022 17:06:27 GMT

@minski Not meant to be, but glad a better option was around the corner. Appreciate you posting the AR result, as I was about to go for the Alt Connect with an in-branch 60K points offer (50k + 10k for additional stacked 5x on gas for 6 mo). I'm 2/6, 2/12 (1/6, 1/12 currently reporting), so I'll save myself the denial and TU ping.

Re: US Bank Altitude Reserve - Part Two

Remedios — Fri, 05 Aug 2022 20:26:19 GMT

@minski wrote:
Second denial.

Did you get a letter or is this something that was conveyed to you over the phone?

Re: US Bank Altitude Reserve - Part Two

Traveler101 — Fri, 05 Aug 2022 23:21:47 GMT

@minski wrote:
Second denial.

I too was denied originally. They were having process issues and ip address would no match so it became a verification issue. I would call the status line on Monday and see if they can tell you the reason for decline. If you are in the same position as I was, it may be a very simple fix. But I will warn you, expect long hold time on phone for card services. Real nice to deal with when you do reach them. My denial was overturned within about 3 hours. Good luck!

Re: US Bank Altitude Reserve - Part Two

wingennis — Sat, 06 Aug 2022 00:54:41 GMT

@minski wrote:
Second denial.

That sucks. Sorry😔

Re: US Bank Altitude Reserve - Part Two

minski — Sat, 06 Aug 2022 00:55:07 GMT

@Remedios wrote:
@minski wrote:
Second denial.

Did you get a letter or is this something that was conveyed to you over the phone?

I called the app status number and the message stated that my application could not be approved at this time.

Re: US Bank Altitude Reserve - Part Two

minski — Sat, 06 Aug 2022 00:57:42 GMT

@Traveler101 wrote:
@minski wrote:
Second denial.

I too was denied originally. They were having process issues and ip address would no match so it became a verification issue. I would call the status line on Monday and see if they can tell you the reason for decline. If you are in the same position as I was, it may be a very simple fix. But I will warn you, expect long hold time on phone for card services. Real nice to deal with when you do reach them. My denial was overturned within about 3 hours. Good luck!

Thanks! I might do that if I haven't already purchased my plane tickets. I am expecting a spend of about $6000. Haven't purchased them yet because I don't know how to pay for them with my new Chase Sapphire Reserve before I even have the card. That is what I miss about Blispay - they gave you a virtual card number to use.

Re: US Bank Altitude Reserve - Part Two

minski — Sat, 06 Aug 2022 01:40:26 GMT

@Traveler101 wrote:
@minski wrote:
Second denial.

I too was denied originally. They were having process issues and ip address would no match so it became a verification issue. I would call the status line on Monday and see if they can tell you the reason for decline. If you are in the same position as I was, it may be a very simple fix. But I will warn you, expect long hold time on phone for card services. Real nice to deal with when you do reach them. My denial was overturned within about 3 hours. Good luck!

So, I called - after hours but hey.

Not the most friendly rep honestly but she did take the time to look up my application to see if there were any notes on why I was denied. Didn't see anything so she said I needed to wait 7-10 business days for the letter.

Re: US Bank Altitude Reserve - Part Two

digitek — Sun, 07 Aug 2022 16:58:43 GMT

This seems like an odd denial, from what you describe of your credit profile just about anyone would approve you for whatever you want.

Happy to hear you got a CSR, though. That's a great card, too, even if it's not what you had you eyes on. Can always try again in the future.

Re: US Bank Altitude Reserve - Part Two

minski — Sun, 14 Aug 2022 02:47:04 GMT

I received my denial letter today with the following reasons:

- too many revolving accounts
- maximum unsecured credit (which is funny because they keep sending me mail about being eligible for CLI for my Cash+)

:\ I really wanted this card for a while now, too. But looks like this is off the table for me.

Edit: Score pulled EX 09 in NY - 816.

Re: US Bank Altitude Reserve - Part Two

stoolsen — Wed, 09 Nov 2022 05:00:59 GMT

I just saw this and know it's too late for this case. However, I read recommended advice (probably somewhere else on here) that after you receive a denial letter for any US Bank credit card you should make an appt with a banker at a local branch for them to call customer service on your behalf to get your denial underwritten by a person, live with both you and the local banker present. Sometimes, they can make it work by going over a few matters. I did this and was not successful, but customer service on the other end said I would have been approved if the last account I opened had been more than 6 months ago—which I believe is consistent with your case. However, then they also want 6 months between applications. So, perhaps waiting until that 1 last account was 6 months in the past was important. She also said that number of inquiries and number of accounts open didn't matter so much. The US Bank wants to see no accounts open in last 6 months. The banker said applicants (and I've read this somewhere else too) that for this card—that applicants also do better when they make an appt with a banker at a local branch and have the banker do the application for the card for you; they can call, live, for the approval/denial and discuss it in real time.