US Bank Business Card Approvals

[FinStar]

UW algorithms are not going to provide better odds whether you do it online vs a phone application or viceversa.  You can do whichever you're most comfortable with.  If for any reason you're approved for a low SL you can have UW re-review the app or submit a reconsideration request.  Bear in mind that in a variety of cases this can result in another HP and results will vary.

I've typically gone to the branch whenever I'm conducting any banking or business matters since I know the banker for so many years, but then again that's usually my preference.  

[Five6Two]

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@Five6Two wrote:

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@Rikkumz wrote:

Anyone know if they're still handing out low starting CLs or if they have loosened up a bit?

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I was approved for a $3k SL on the Business Cash Rewards Card in 04/20 and then $10k SL on the  Business Leverage Visa Signature Card in 11/20. Have not asked for CLI on either line but since I already have a $22k CL on the REI MasterCard, do not really want to poke the bear. 

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DP, was auto-CLI on the $3k BCR now at $8k after 12th statement cut. Probably put around $12k on the card over those 12 months. 

[GApeachy]

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@Rikkumz wrote:

Anyone know if they're still handing out low starting CLs or if they have loosened up a bit? 

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Maybe they have loosened a little...seems that way.  I was approved for their 3/1% biz cb @ $9k sl, 16.64 apr. a few days ago.

[Anonymous]

Great information. Would you happen to know which bureau they check on the business side? I was going to apply but Nav said I wasn't a match because I had a recent inquiry. But I am carry some debt on my business. But above 800 on all cra's. 

[jaxstraw]

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@Anonymous wrote:

Great information. Would you happen to know which bureau they check on the business side? I was going to apply but Nav said I wasn't a match because I had a recent inquiry. But I am carry some debt on my business. But above 800 on all cra's. 

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For me in NY US Bank pulled EX.

One inquiry should not effect anything.

Your scores are great and carrying debt is very normal for a business.....it just matters how much debt to revenue. 

[Anonymous]

Ok great. I'm going to go on the assumption they don't look at business credit just going to pull EX on personal. Thanks