US Bank Rule

[difringe]

Had a question...I'm vaguely aware of US Bank's preference that you are <1/6 or <2/12 before applying.  Does that mean 1 or less new credit card accounts, 1 or less hard pulls, or 1 or less new accounts (loans, credit cards, etc.) total in the last 6 months?

Edit: thinking about this, it should probably be in the Credit Card Applications section

[coldfusion]

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As to your question, both inquiries and new accounts are relevant.   

[difringe]

Thanks! And just for clarity, the new accounts is all forms of revolving/installment debt, not just credit cards?

[MrDisco99]

I would appreciate some clarity on this as well, as this is the first time I've heard 0/6.

Is that 1/12 and 0/6 for new accounts AND inquiries?

[M_Smart007]

US Bank's rules are made to be broken! ..

I am not saying that this will work for you! ... YMMV!!

Here are my Dp's from an Altitude Go approval.  

..(I do have a pretty solid Banking relationship with them and two other CC's)

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/FNBO-Visa-Signature-15-000-00-amp-U-S-Bank-Al...

[difringe]

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@M_Smart007 wrote:

US Bank's rules are made to be broken! ..

I am not saying that this will work for you! ... YMMV!!

Here are my Dp's from an Altitude Go approval.  

..(I do have a pretty solid Banking relationship with them and two other CC's)

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/FNBO-Visa-Signature-15-000-00-amp-U-S-Bank-Al...

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LOL if 50k in monthly deposits is a 'pretty solid banking relationship' i'm DOOMED