@Wavester64 wrote:
@M_Smart007 wrote:
@Wavester64 wrote:So you're saying it's better to call than wait?
If I call, what would be the # to call?
@Wavester64 US Bank: 800-947-1444, 800-685-7680 (Underwriting)
ETA: I would call! .. Good Luck!
Thanks :-) I called and unfortunately I was denied for too many accounts in a 12-month period.
Oh well, now I am definitely gardening for sure :-/
Sorry for your denial
Thanks - they didn't say - but my records 2 in the last 6 months, 5 in the last 12.
I was riding that 2 in 6 months, thought I might sneak it in - but it wasn't measnt to be.
Thanks. Gotta admit, it's a lousy feeling.
@Anonymous wrote:
@Wavester64 wrote:Thanks - they didn't say - but my records 2 in the last 6 months, 5 in the last 12.
I was riding that 2 in 6 months, thought I might sneak it in - but it wasn't measnt to be.
US Bank cracked down a lot. If it was a year ago, they would have just been looking at 6 months and you may have squeaked by or been able to recon. As of last summer they bumped it to 12 months. I burned two inquiries on US Bank last year. First was in April when I was told to get to 1/6 and second was in June when I was told to get to 0/12.
I guess they don't realize 1/6 and 0/12 is hard.
Thanks for your kinda remarks - sorry to see you didn't get Cash+ either.
"I guess they don't realize 1/6 and 0/12 is hard."
Hahaha^^^this made me lol!
Sorry about your denial, OP.
@Wavester64 wrote:
@Anonymous wrote:
@Wavester64 wrote:Thanks - they didn't say - but my records 2 in the last 6 months, 5 in the last 12.
I was riding that 2 in 6 months, thought I might sneak it in - but it wasn't measnt to be.
US Bank cracked down a lot. If it was a year ago, they would have just been looking at 6 months and you may have squeaked by or been able to recon. As of last summer they bumped it to 12 months. I burned two inquiries on US Bank last year. First was in April when I was told to get to 1/6 and second was in June when I was told to get to 0/12.
I guess they don't realize 1/6 and 0/12 is hard.
Thanks for your kinda remarks - sorry to see you didn't get Cash+ either.
It's not hard for 99% of the population but it's a terrible burden for MFers (myFICOers) for sure!
And yeah, that stung a bit. But it did get me to grab the last cards I wanted and hit the garden which is going to lead up to me likely having an 800+ score for the first and only time when I go for the card in October so it's not all bad. 
Sorry for your denial!
