US Bank

[Anonymous]

Hello good Humans from Earth. I am currently 2/12 with my last card opened 4.5 months ago, which is prob the worst decision I ever made beacause......Costco and Covid. I love to hate shopping there.  Anyway, I already have a Cash+ for 14 months with 15k limit but looking to either open the Altitude Reserve or Go.

TR 8 757, TR 9 754.

Utilization 7% highest usage card is Apple @2800/20k financing a MBP. 

Should. I wait to age the Costco card to 6 months? Or is 2/12 ok enough? Any ideas?

Also Altitude Reserve or GO. Reserve with 50k point SUB and 3% CB on mobile pay is huge since almost everywhere I shop has gone contactless. Or should I pass GO and collect  $200 or $250 and replace my nerfed Uber with

[Anonymous]

US Bank wants you to be no higher than 1/12 these days, especially for the Altitude. I would just wait unless you're okay burning an inquiry to find out. 

[Credit4Growth]

@Anonymous 

---

@Anonymous wrote:

US Bank wants you to be no higher than 1/12 these days, especially for the Altitude. I would just wait unless you're okay burning an inquiry to find out. 

---

This ^^^ for sure.   Give it some time.  Great screen name!

[Bdfpgtv]

No higher than 1/12???

[addicted_to_credit]

---

@Bdfpgtv wrote:

No higher than 1/12???

---

Correct, US Bank can be very fickle but overall is a good bank.

[ccquest]

---

@Bdfpgtv wrote:

No higher than 1/12???

---

One new account/revolver in the last 12 months.

[coldfusion]

---

@ccquest wrote:

---

@Bdfpgtv wrote:

No higher than 1/12???

---

One new account/revolver in the last 12 months.

---

Even that is YMMV.

USBank is adverse to inquiries/new accounts even in the best of times, and like most other issuers they've tightened the screws even more.