When to apply for US Bank Cash+ Card?

[Anonymous]

I've been wanting this card for quite a while and want to get the timing right.  First and only app spree was on the same day in early November 2019 for three new cards.   When I look at my three credit score reports, I have those three accounts listed as opening on November 3rd and November 4th 2019.  No accounts were opened for many years before that app spree.  I have no other inquiries/hard pulls/new accounts since then. 

Also, I have excellent scores (all over 800s) and other cards have between 15K-30K limits with excellent income and no baddies on report.  Utilization generally less than 5-10% per card, overall at 4-5%.

When should I target submitting the application - November 5th?  December 1st?  Some other date?  I assume it is 365 days+1 to get to 0/12 inquiries/accounts which is what I've read is so important for this card.  

[Anonymous]

There are those who believe that November is a prime month for CC apping due to the start of the Holiday shopping season. However, I believe that any time your CR looks prime that is a good time to app.  

[coldfusion]

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Not with US Bank, they're about as inquiry/new account adverse as they come and they've been even more sensitive the last few months. 

OP - suggest you wait until Dec 1 so that there is no question about your being at 0/12 status. 

[randomguy1]

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@coldfusion wrote:

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Not with US Bank, they're about as inquiry/new account adverse as they come and they've been even more sensitive the last few months. 

OP - suggest you wait until Dec 1 so that there is no question about your being at 0/12 status. 

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Seconded. I changed my projected timing until December as well since I reach 0/12 sometime in November. Not US Bank but I have had other lenders re-use a soft pull that occured that month vs. the date I applied for the app. This might be situational though when you are an existing customer though. Regardless, never hurts to wait just a little longer. I get wanting a new card before Black Friday though.

[Anonymous]

I'm not sure exactly how timing works on credit reports, do you think I should wait until December 5th or even maybe January 1st so that anything there has a buffer to clear?  I'm not in any rush, just want to make sure I'm at 0/12 status.

[coldfusion]

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@Anonymous wrote:

I'm not sure exactly how timing works on credit reports, do you think I should wait until December 5th or even maybe January 1st so that anything there has a buffer to clear?  I'm not in any rush, just want to make sure I'm at 0/12 status.

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No, the idea is to ensure that it's viscerally obvious to a USBank underwriter that has only seconds to decide the status of your application that you're 0/12.       

[Anonymous]

Pardon me, dashing in to jot down a couple notes for winter 2021.