US Bank Altitude Reserve - Part Two

[minski]

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.

[minski]

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... :/

[mau471]

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.

[sportsguy83]

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

[Bill77]

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.

[minski]

Thanks, everyone.

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

[BigBS]

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.

[simplynoir]

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@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?

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

[Remedios]

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

Cross-posting bad! 

[minski]

Second denial.