Collection friendly? Alliant, US Bank, Fidelity

[fullstackdev]

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!

[coldfusion]

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.

[fullstackdev]

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