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US Bank Cash+ Approval Odds

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Established Member

US Bank Cash+ Approval Odds

I've been looking at this card for almost a year now. Wondering if I should go ahead and apply now or just wait. 

 

Equifax - Fico 8: 725

                Inquiries: 5 (5/24, 0/12, 0/6)

Transunion - Fico 8: 731

                Inquiries: 2 (2/24, 1/12 [Chase June 2019], 0/6)

Experian - Fico 8: 738

                Inquiries: 3 (3/24, 1/12 [Chase June 2019], 0/6)

 

Total UTI ~ 19% and no history/relationship with U.S Bank

Message 1 of 24
23 REPLIES 23
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Moderator

Re: US Bank Cash+ Approval Odds


@CreditNoob23 wrote:

I've been looking at this card for almost a year now. Wondering if I should go ahead and apply now or just wait. 

 

Equifax - Fico 8: 725

                Inquiries: 5 (5/24, 0/12, 0/6)

Transunion - Fico 8: 731

                Inquiries: 2 (2/24, 1/12 [Chase June 2019], 0/6)

Experian - Fico 8: 738

                Inquiries: 3 (3/24, 1/12 [Chase June 2019], 0/6)

 

Total UTI ~ 19% and no history/relationship with U.S Bank


Hi and welcome to the forums 

 

How many new accounts in the past year? 

Message 2 of 24
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Established Member

Re: US Bank Cash+ Approval Odds

Just 1 CFU in June 2019

Message 3 of 24
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Senior Contributor

Re: US Bank Cash+ Approval Odds

Your approval odds should be pretty good with the given profile, but with US Bank you never know. 




Message 4 of 24
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Valued Contributor

Re: US Bank Cash+ Approval Odds

Your profile seems good. Good luck if you decide to apply!





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 5 of 24
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Moderator

Re: US Bank Cash+ Approval Odds

I think you have a decent chance with only one new account. 

It's usually a single pull, so it's not that bad if it goes the wrong way

 

Good luck and i hope you get your approval. It's a great card

Message 6 of 24
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Established Contributor

Re: US Bank Cash+ Approval Odds

They've always pulled TransUnion for me I live in the south east. You should have a great shot at getting it. Good luck and welcome!


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 818TU 810EQ 813EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
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US Bank Cash+ 24k
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Chase FU 6k
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NFCU Platinum 29k

AU Accounts
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USAA 12.5k
Chase Southwest 7.9k


Inq's
LOL /12 -24
Message 7 of 24
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Community Leader
Valued Contributor

Re: US Bank Cash+ Approval Odds

I think you will be approved if I had to guess.  Good luck!

 FICO 8
Message 8 of 24
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Super Contributor

Re: US Bank Cash+ Approval Odds

Good luck on your application! Hope to read of your approval.
Message 9 of 24
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Epic Contributor

Re: US Bank Cash+ Approval Odds

I think you have a good chance.

Message 10 of 24
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