My DP's
• 12/16 F8 scores: TU 740 | EX 730 | EQ 666
• $16.5k revolving balances (on 58,006 CL)
• 28.9% reported overall util
• AAOA 3 yrs 5 months
• $11k car loan 74.55% paid off ($2800 left)
• 1 HP on EX, 0 HPs on EQ/TU
- - - - -
I’m prequalified for the following US Bank cards:
- Platinum, 0% for 20 mos, then 15.99%
- Cash+ VS, 0% for 15 mos, 5% CB categories I choose + SUB
- Cash 365 AMEX, 0% for 15 mos, 1.5% CB
All have no AF and 0% BT for the months shown above. I already have $32k exposure with Amex and Platinum doesn’t seem to offer CB at all, just phone insurance when I pay my bill through them.
Are the SL’s strong given my TU score, or conservative?
Thanks!
• 12/16 F8 scores: TU 740 | EX 730 | EQ 666
• $16.5k revolving balances (on 58,006 CL)
• 28.9% reported overall util
• AAOA 3 yrs 5 months
• $11k car loan 74.55% paid off ($2800 left)
• 1 HP on EX, 0 HPs on EQ/TU
- - - - -
I’m prequalified for the following US Bank cards:
- Platinum, 0% for 20 mos, then 15.99%
- Cash+ VS, 0% for 15 mos, 5% CB categories I choose + SUB
- Cash 365 AMEX, 0% for 15 mos, 1.5% CB
All have no AF and 0% BT for the months shown above. I already have $32k exposure with Amex and Platinum doesn’t seem to offer CB at all, just phone insurance when I pay my bill through them.
Are the SL’s strong given my TU score, or conservative?
Thanks!
@Jnbmom wrote:
This is my exoerience, their pre qualify is not solid at all.
Been denied twice in the past after prequalifying.
Interesting, thank you for sharing. I’m looking for solid, not a denial 
Mom is correct, though with no HPs at all. You have a better chance than I. lol
Some folks get instant approvals. The first time I applied it went to review.
They couldn't verify me. Which was crazy! lol
The 2nd time I went through the process of signing up for a bank account. The one thats free if you have a Usbank CC. During the process the system will offer you several CCs.
I picked the Cash plus. Even though I didn't end up with the checking account, because my Sagestream CR is frozen. The system instantly approved me for the CC.
The Cash plus is a great CC for paying Utilities and Cell phone bills. Those are the only charges mine every See's. So it is permanently SD'd.
US bank uses an old Fico mortgage score for approvals. Being you don't have a bunch of new accounts or inqs.
You shouldn't have much of an issue being approved. It's a YMMV on the SL. Several members here were able to recon their SLs to much higher limits.
Some folks get instant approvals. The first time I applied it went to review.
They couldn't verify me. Which was crazy! lol
The 2nd time I went through the process of signing up for a bank account. The one thats free if you have a Usbank CC. During the process the system will offer you several CCs.
I picked the Cash plus. Even though I didn't end up with the checking account, because my Sagestream CR is frozen. The system instantly approved me for the CC.
The Cash plus is a great CC for paying Utilities and Cell phone bills. Those are the only charges mine every See's. So it is permanently SD'd.
US bank uses an old Fico mortgage score for approvals. Being you don't have a bunch of new accounts or inqs.
You shouldn't have much of an issue being approved. It's a YMMV on the SL. Several members here were able to recon their SLs to much higher limits.
I cold app'd for mine.. Your TU score is good enough in my opinion but USB can be tough to speculate..
They did pull TU when I got my Cash+
Good Luck if you Leap!
@Pikaboo-icu wrote:I cold app'd for mine.. Your TU score is good enough in my opinion but USB can be tough to speculate..
They did pull TU when I got my Cash+
Good Luck if you Leap!
Yep, I leaped. Got a 7-10 day msg. I’m confident I’ll get approved. Looking for a Customer Service number to call and see if I can get a decision over the phone like this morning with Disco.
@Gmood1 wrote:
Mom is correct, though with no HPs at all. You have a better chance than I. lol
Some folks get instant approvals. The first time I applied it went to review.
They couldn't verify me. Which was crazy! lol
The 2nd time I went through the process of signing up for a bank account. The one thats free if you have a Usbank CC. During the process the system will offer you several CCs.
I picked the Cash plus. Even though I didn't end up with the checking account, because my Sagestream CR is frozen. The system instantly approved me for the CC.
The Cash plus is a great CC for paying Utilities and Cell phone bills. Those are the only charges mine every See's. So it is permanently SD'd.
US bank uses an old Fico mortgage score for approvals. Being you don't have a bunch of new accounts or inqs.
You shouldn't have much of an issue being approved. It's a YMMV on the SL. Several members here were able to recon their SLs to much higher limits.
Gmood to add i don't know if u seen it or not the person that started ask a former US Bank Rep anthing stated they switched from using the Mortgage Fico to Fico 09 .
@bigpoppa09 wrote:
@Gmood1 wrote:
Mom is correct, though with no HPs at all. You have a better chance than I. lol
Some folks get instant approvals. The first time I applied it went to review.
They couldn't verify me. Which was crazy! lol
The 2nd time I went through the process of signing up for a bank account. The one thats free if you have a Usbank CC. During the process the system will offer you several CCs.
I picked the Cash plus. Even though I didn't end up with the checking account, because my Sagestream CR is frozen. The system instantly approved me for the CC.
The Cash plus is a great CC for paying Utilities and Cell phone bills. Those are the only charges mine every See's. So it is permanently SD'd.
US bank uses an old Fico mortgage score for approvals. Being you don't have a bunch of new accounts or inqs.
You shouldn't have much of an issue being approved. It's a YMMV on the SL. Several members here were able to recon their SLs to much higher limits.Gmood to add i don't know if u seen it or not the person that started ask a former US Bank Rep anthing stated they switched from using the Mortgage Fico to Fico 09 .
Oh great!! Those are my best scores! Thanks for the info. I must have missed that post.