US Bank denial?

[Quiquiro]

Hey guys, havent posted in a while.

Just tried Apping for the Altitude Go Card and got the Thanks for applying, youll receive more info in 7 to 10 days.

Im currently 1/24 in hard inquirys and just closed on a mortgage loan last week.

Anyway I got rejected because of anything?

$51,500 yearly income.

AoA is 4.6Y, oldest account 8.3Y, newest account 1 year (student loan transfered to Nelnet).

FICOs around 777-780 and Experian at 808.

Got 12 credit cards in total; Total limits at $47,500.

Previous card with USBank is a Cash+ with a limit of $3800.

[SouthJamaica]

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@Quiquiro wrote:

Hey guys, havent posted in a while.

Just tried Apping for the Altitude Go Card and got the Thanks for applying, youll receive more info in 7 to 10 days.

Im currently 1/24 in hard inquirys and just closed on a mortgage loan last week.

Anyway I got rejected because of anything?

$51,500 yearly income.

AoA is 4.6Y, oldest account 8.3Y, newest account 1 year (student loan transfered to Nelnet).

FICOs around 777-780 and Experian at 808.

Got 12 credit cards in total; Total limits at $47,500.

Previous card with USBank is a Cash+ with a limit of $3800.

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They'll tell you their reasons.

[Hex]

Many (? Most) USB applications go to a manual review for the decision. The 7 to 10 message doesn't mean you'll be declined. I have three USB credit cards and only one of them was an instant approval. The other two went to manual review. 

[CYBERSAM]

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@Quiquiro wrote:

Hey guys, havent posted in a while.

Just tried Apping for the Altitude Go Card and got the Thanks for applying, youll receive more info in 7 to 10 days.

Im currently 1/24 in hard inquirys and just closed on a mortgage loan last week.

Anyway I got rejected because of anything?

$51,500 yearly income.

AoA is 4.6Y, oldest account 8.3Y, newest account 1 year (student loan transfered to Nelnet).

FICOs around 777-780 and Experian at 808.

Got 12 credit cards in total; Total limits at $47,500.

Previous card with USBank is a Cash+ with a limit of $3800.

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@Quiquiro  I'll say congrats on your approval!

I just got 2 CCs from them last week and both gave me the same msg. US Bank seems to do manual review much higher then before.

I got approved for the 1st card in few hours after review and 2nd card after 3 days. I called the underwriting and they said: if it was a denial, they would let you know immediately.

[Quiquiro]

Thanks!

Called yesterday and they just wanted to verify it was me. Got approved for 7k

[Hex]

Congratulations @Quiquiro. You got a great card! You can post about the approval in the approvals section now if you want. If you add your data points it might help others interested in the card.  

[Wavester64]

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@Quiquiro wrote:

Thanks!

Called yesterday and they just wanted to verify it was me. Got approved for 7k

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[youngandcreditwrthy]

@Quiquiro 

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CONGRATS!!! BIG WIN FOR US BANK!!!!!! :-)