topic Re: Collection friendly? Alliant, US Bank, Fidelity in Credit Card Applications

Collection friendly? Alliant, US Bank, Fidelity

fullstackdev — Thu, 15 Aug 2024 17:42:56 GMT

I have an old unpaid collection account due to fall off next year (5y7m old). No other baddies. TU score in the mid-700s with 1 inquiry. Credit age about 9 years due to some positive closed accounts still reporting. Recent history limited to one new unsecured card with $6.5K limit and an AU card with $7K limit. Personal income over 100K household income over 200K.

I want to apply for

Alliant Platinum,
US Bank,
and Fidelity Visa

over the next few months.

I've been an Alliant member since 2016 and they're my primary bank. Multiple accounts with them but no loans.
401k with Fidelity since 2012.
No relationship with US Bank. Hoping to establish a personal and business banking relationship.

Anyone else been approved for these cards with unpaid collections or other derogs reporting? I've searched and found a few DPs but not many.

Thanks in advance!

Re: Collection friendly? Alliant, US Bank, Fidelity

coldfusion — Fri, 16 Aug 2024 12:40:05 GMT

Making sure you're aware that the Fidelity Visa is issued by US Bank through their Elan Financal Services business unit as a co-branded card , so take it as you will that the same people who look at and make a decision regarding a US Bank card application would also look at and make a decision regarding a Fidelity Visa application.

Re: Collection friendly? Alliant, US Bank, Fidelity

fullstackdev — Fri, 16 Aug 2024 14:32:24 GMT

Thank you for the heads-up. That is also my understanding of the US Bank/Fidelity relationship.