@ChazzieT wrote:
I'm running a little experiment to test the relationship hypothesis....
...If relationship is enough to overcome 1/6 - 5/12, I will be approved. If it doesn't get me approved, then I will be 1/12 on 12/5/2020 and will apply again on 12/7/2020 with 1/12 new accounts and 2/12 inquiries.
If I still don't get approved, then I guess they just don't like me.
However it turns out, we should have better evidence to support/refute the relationship idea.
Reporting back on the first part of my experiment:
Apped Cash+, today at 1/6 and 5/12, new accounts after having US Bank as my "daily driver" checking and savings acount for 6 months. All cards in my signature were paid through this account, as were my mortgage and any utility bills that would not accept a credit card for payment.
I received an email stating my app required further verification and seconds later was told by CSR that I had been denied. I informed CSR of email and he said "That's not right, you shouldn't have gotten that if you're denied. He tried to transfer me to UW, but disconnected me.
I called the UW number from the "backdoor numbers" post and verified my identity. I was told I had been denied for "too many new accounts in the last 12 months" and that I shouldn't have received the email telling me more verification was required.
I have not yet been notified of an HP.
So basically the 6 months as a customer did me no good whatsoever (and maybe made it worse as I was given a chance to recon on previous apps).
Will try again in December, when I am 0/6, 1/12.
