@Anonymous wrote:If you’re a myFICO regular, US Bank is not for you.
/thread 😂
Or is it? I have 2 of them already 365/Cash+
If you're a regular you know how to deal with them before applying 
It's okay though..there are bigger fish in the sea... w/ less hassle even.
@Anonymous wrote:
@Anonymous wrote:If you’re a myFICO regular, US Bank is not for you.
/thread 😂Or is it? I have 2 of them already 365/Cash+
If you're a regular you know how to deal with them before applying
It was sarcasm but they do appear to be getting tougher to crack. I am not going to sit there and beg UW for a card. There are plenty of other cards that I don’t have to beg for.
I don't know if a different representative would have helped but the person who submitted my app for reconsideration was not very personable. Therefore, I did not have the opportunity to dazzle her with my charm and wit. The rep I spoke with when calling for recon status was great. I will forever believe she'd have gone to bat for me.
@Remedios wrote:@Caardvark. not to derail the thread but what was the denial reason?
I am currently groveling big time over AR
@Remedios - The UW for the AR has definitely gotten stricter. I spoke to a CSR a few days ago and asked about possibly applying for the AR and they said that it's not easy to get as it was before. Apparently in the last few months/possibly a year, they have tightened up the restrictions on it. I wasn't able to get a reason why but I'm guessing it's probably economy based. Depending on your profile, it's definitely not a bad card but personally, I feel like the CSR is better. Now if you use one of the pay (apple, samsung, google, etc) and need 3x for travel, it's a good card. Otherwise, the CSR is better at 3x for travel and dining. Just my 2 cents.
@xaximus wrote:
@Remedios wrote:@Caardvark. not to derail the thread but what was the denial reason?
I am currently groveling big time over AR
@Remedios - The UW for the AR has definitely gotten stricter. I spoke to a CSR a few days ago and asked about possibly applying for the AR and they said that it's not easy to get as it was before. Apparently in the last few months/possibly a year, they have tightened up the restrictions on it. I wasn't able to get a reason why but I'm guessing it's probably economy based. Depending on your profile, it's definitely not a bad card but personally, I feel like the CSR is better. Now if you use one of the pay (apple, samsung, google, etc) and need 3x for travel, it's a good card. Otherwise, the CSR is better at 3x for travel and dining. Just my 2 cents.
CSP will be ready for upgrade in December.
I was told same as you by UW, and his suggestion was clean living for 6 months, no new inq or apps 🤷
My approval for Cash+ was only couple of months ago. I have 3 new cards (including Cash+) in the past 16 months. By the time I am ready to apply, I should be down to 2 cards in 20 months.
If that still "bothers" them, I will certainly reevaluate my goals at that time. I don't feel like I've gone overboard, but we'll see.
The bulk of my stupid apps happened mid 2017.
I want it, though 
@Remedios
Me too. Me want.
I'll be on the lookout for your results when you proceed. Assuming you are successful, I'll give it another go in January which will be 7 months of clean living and 2 accounts in 16 months. I'll even pay tribute to the Don in the form of non 5% category spend leading up to it. But if that doesn't work... Forget it. I'm done. I will refuse to try again (for at least another six months 
)
