US Bank Cash Plus - data points?

[expatCanuck]

Thanks much. I'll be at 1/12 (and 9/24) next month.

[JR_TX]

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@expatCanuck wrote:

Thanks, @JR_TX.

$64K question -- did you have an existing banking relationship with USB?

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No existing relationship when I got approved.

[M_Smart007]

@expatCanuck, 1/12 with you score's, I would say you would not get a $500 SL. MHO

I was 3-4 in 12 and lower scores (I was probably at TU 690(ish) when I applied,  $5K starting SL

aged thick profile/ with lots of paid high dollar car loans. No former relationship.

also Just received an Auto CLI.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Cash-5000-Auto-CLI/m-p/5725601#M62254...

GL2U

[MakingProgress]

Here is the DP when I got my Cash +, I believe I am an outlier in the results I got and do not reflect the norm.

FICO 8 EX 729 EQ 748 TU 731

Scorable Inq EX 2, EQ 3, TU 1

2 30 D late EX and EQ, 1 30 D late TU

AAoA EX 2 yr 10 mo, EQ 5 yr 1 mo, Tu 3 yr 6 mo

Overall Revolving Util 2% on all 3

Youngest Account was 1 yr and 1 day

Relationship = none personally, I am listed as a POD on a Money Market account with a significant balance for one of my father's accounts.   Dad has a long relationship with US Bank and has multiple accounts.   Since my SSN is on the MM I may be getting some credit for Dad's relationship as I am a Jr.     

Result = Instant Approval for 20K SL

[randomguy1]

Congrats!

What's your x/6, x/12, and x/24?

[MakingProgress]

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@randomguy1 wrote:

Congrats!

What's your x/6, x/12, and x/24?

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Quoted Stats were from Feb 19 when I got the card.  At that point I was 0/6, 0/12, and 5/24.

[expatCanuck]

As of next month, I'll be 0/6, 1/12 and 9/24 (3/12 today). Down to 5/24 in January, 3/24 in June.

Unless, of course ... .