US Bank Business Connect- Chances of Approval

[Gingi]

Do you think I have a decent chance of approval with these stats?

702 EX

6% overall util.

3 inquiries/2 years

2 inquiries/1 year

0 inquiries/6 months

0 new accts/6 months

1 new acct/ 1 year

3 new accts/2 years

highest limit personal cc $10K

AAOA- 5 years, 10 months

Oldest Acct- 20 years, 8 months

1 baddie- settled charge off from 4.8 years ago (falling off in Sept)

I have a business checking acct w/ US Bank that I keep a very nominal amount of $ in but can transfer low 5 figures if it would help.

They SP my EX every month and send marketing mailings for the Triple Cash biz cc and paltinum biz cc so I'm assuming they will pull EX if I apply for any of their cards even though I know they usually pull TU. I am in NY.

I have some large biz related hotel expenses coming up in the next couple of months so the 4% cashback would be useful plus the $600/60K point signup bonus. 

[cashorcharge]

Taking everything you stated into consideration, it might be doable...to your point, I hadn't received the EX SP's for promotional materials and when I applied, they HP'd TU.  No banking relationship and received $25K SL and on month 5 they gave me another $5K auto-CLI

[Gingi]

Thanks for the feedback. 

To update my post it's actually EQ that USB has been SP for account reviews. My EQ stat are:

EQ 730 Fico 8

1 inquiry in 6 months/12/24

1 new account in 12 months

3 new accounts in 24 months

Oldest account: 38+ years 

AAoA: 15 years

[Gingi]

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@cashorcharge wrote:

Taking everything you stated into consideration, it might be doable...to your point, I hadn't received the EX SP's for promotional materials and when I applied, they HP'd TU.  No banking relationship and received $25K SL and on month 5 they gave me another $5K auto-CLI

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Thanks for your feedback. Great SL.