US Bank Cards

[Matt9543]

I've seen around recently that in order to be eligible for close to any of US Bank's cards, you can only have 1 account opened in the last 12 months. Has anybody found themselves approved around that? Also, does having a relationship with US Bank also help with possible approvals? I've been looking at the reported new Altitude Go, but also was waiting until at least the end of June when I have about 3 inquiries dropping off of my Experian report. (I'm not sure what bureau they pull). If anybody has any other recommendations for applying for a US Bank card, I'll glad take them.

Thank you!

[Anonymous]

That was not the case when I opened my account. 

[Matt9543]

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@Anonymous wrote:

That was not the case when I opened my account. 

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Having more than 1 card opened in the previous 12 months? How many did you have if you don't mind me asking?

[Anonymous]

Anything more than 1/12 has most often been an auto decline although quite a few got it overturned if they were 0/6 and under 3/12. 

A relationship does help. Get a savings account and park $300 in it. This has worked for a few members. Also if the Go is anything like the regular Altitude, they'll require you to already have a product with them anyway. 

Your best chance with US Bank is to go in with 1/12 or less but if you're good at recon, you can get away with more sometimes. Other times they'll flat out refuse to send it to UW for a second look for too many new accounts. 

[Andypanda]

When i opened my first cash+ card i was 4/12 when i opened my 2nd i was at 3/12. First wad opened jan 2018, 2nd was feb 2020.

[Matt9543]

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@Anonymous wrote:

Anything more than 1/12 has most often been an auto decline although quite a few got it overturned if they were 0/6 and under 3/12. 

A relationship does help. Get a savings account and park $300 in it. This has worked for a few members. Also if the Go is anything like the regular Altitude, they'll require you to already have a product with them anyway. 

Your best chance with US Bank is to go in with 1/12 or less but if you're good at recon, you can get away with more sometimes. Other times they'll flat out refuse to send it to UW for a second look for too many new accounts. 

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I'll probably go ahead and open the gold checking account (get the because you deserve it program) and see if I can just move money in there for a little bit and see what I can get when I apply later this year. 

[Anonymous]

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@Matt9543 wrote:

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@Anonymous wrote:

Anything more than 1/12 has most often been an auto decline although quite a few got it overturned if they were 0/6 and under 3/12. 

A relationship does help. Get a savings account and park $300 in it. This has worked for a few members. Also if the Go is anything like the regular Altitude, they'll require you to already have a product with them anyway. 

Your best chance with US Bank is to go in with 1/12 or less but if you're good at recon, you can get away with more sometimes. Other times they'll flat out refuse to send it to UW for a second look for too many new accounts. 

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I'll probably go ahead and open the gold checking account (get the because you deserve it program) and see if I can just move money in there for a little bit and see what I can get when I apply later this year. 

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Yeah I went with BYEI since they shot me down twice for new accounts. I figure it's a very good sign that they let me have a checking account since my last checking account, reserve line, and credit card with them went into my 2010 BK. If they give me another chance with a credit card, that won't happen again. 

[Matt9543]

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@Andypanda wrote:

When i opened my first cash+ card i was 4/12 when i opened my 2nd i was at 3/12. First wad opened jan 2018, 2nd was feb 2020.

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Do you recall what cra they pulled? And did you get approved online or have to call and recon?

[coldfusion]

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@Matt9543 wrote:

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@Andypanda wrote:

When i opened my first cash+ card i was 4/12 when i opened my 2nd i was at 3/12. First wad opened jan 2018, 2nd was feb 2020.

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Do you recall what cra they pulled? And did you get approved online or have to call and recon?

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USBank usually pulls Transunion and one should also expect that they will pull a report from Sagestream. 

[Wavester64]

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@coldfusion wrote:

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@Matt9543 wrote:

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@Andypanda wrote:

When i opened my first cash+ card i was 4/12 when i opened my 2nd i was at 3/12. First wad opened jan 2018, 2nd was feb 2020.

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Do you recall what cra they pulled? And did you get approved online or have to call and recon?

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USBank usually pulls Transunion and one should also expect that they will pull a report from Sagestream. 

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Yup, TU here for my denial