When should I app for the US Bank Cash plus?

[ChazzieT]

@randomguy1 , I'm in Texas, too and they've always pulled EQ for me. When did they pull your EX? Was it recently enough that this could be a policy shift?

[randomguy1]

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@ChazzieT wrote:

@randomguy1 , I'm in Texas, too and they've always pulled EQ for me. When did they pull your EX? Was it recently enough that this could be a policy shift?

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11/24/2020. I was recently approved for the AR. EQ was not frozen either. 

[DaveInAZ]

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@ChazzieT wrote:

Thanks @DaveInAZ , and sorry to hear about the fraud mess! Any idea how someone got your card number to use on Amazon? 

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No. I've had an Amazon account since forever but haven't bought anything this year. I did log into Amazon to check the account was OK, and I don't have Cash+ as a saved payment source there. Last use was T-Mobile where I gave the card # over the phone to a Rep for a new SIM card, Amazon charges came the next day, so that's a possibility.

[coldfusion]

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@Anonymous wrote:

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@ChazzieT wrote:

Thanks, @Anonymous ! Fixed it!

Hey, weren't you due to app for the Cash plus around now?

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I decided to wait until April. I want to hit 0/12 before I go for it. 

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Great minds think alike.  It does appear that odds of approval are better at 0/12 vs 1/12.

[Anonymous]

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@coldfusion wrote:

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@Anonymous wrote:

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@ChazzieT wrote:

Thanks, @Anonymous ! Fixed it!

Hey, weren't you due to app for the Cash plus around now?

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I decided to wait until April. I want to hit 0/12 before I go for it. 

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Great minds think alike.  It does appear that odds of approval are better at 0/12 vs 1/12.

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Yes and since I previously burned them in my BK and I have already gotten two no's for new accounts, I want to have my absolute best chance. 

[vic6string]

I just got approved a week ago after getting denied back in January for being at (I think) 3/12. I was at 1/12 when I applied last week, with scores in the mid 700s and a BK13 still showing on my record (just 10 more months before it drops off). 

[ChazzieT]

Congrats! @vic6string , if you don't mind my asking, what was your starting limit? How old was your 1/12?

[vic6string]

I don't know what the limit is yet...haven't recieved the welcome package. The 1 card I got in the last 12 months was obtained early this year...I think Feb or March, and I was only one month past being 2/12. My prior rejection from US Bank was in Feb. They only pulled Equifax. 

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@ChazzieT wrote:

Congrats! @vic6string , if you don't mind my asking, what was your starting limit? How old was your 1/12?

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[ChazzieT]

Thanks for the dp's, @vic6string , I'm in a very similar situation. If you don't mind, I'd love to know your starting limit, once you find out!

[gdale6]

Approvals thread can be found here https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Cash/m-p/6313069#M744720