Today I was approved for the US Bank Cash + Signature card and Fidelity Sig Visa card. This took over a week to get the applications approved. I thought I may be declined on both or 1. Orignally US Bank Declined me, but when I had called late last week, a gentleman said he didn't know why I was declined my profile looked good and said they would manually look at.
Here are my orignal posts under the CC applications forum:
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Fidelity-Visa-Signature/td-p/4891617
http://ficoforums.myfico.com/t5/Credit-Card-Applications/US-bank-Visa-sig/td-p/4892462
I haven't had Visa Signature before, these are my first 2. I have no derogs, baddies, my inquiries on my EX may be like 6, and I have balances on 2 cards, one of them is around 80% utilzation, but I am paying it down. US said I had a fico of 701 on my EX, but according to cards my TU is like 738.
I hope this helps someone.
UDATED: I found out today I was approved for $500.00 my US Bank Cash + card and an APR of 23% (i think my highest apr) I'm not thrilled but better than a denial, and I suppose a good way to build a relationship with the company.
As far as my Fidelity Visa Sig, they gave me a $5000.00 credit limit and an APR of around 14%. Which I am much happier about.
I don't care about APR's to much because I don't keep balances if they have a high APR, I just PIF.
Amex ED: 5,000 I Barclays: 10,000 I Discover: 8,700 I VS: 6,000 I Citi Simplicity: 6,700 I Amex BC: 2,000 I Marvel MC: 8,000 I
I Chase FU: 4,000 I US Bank: 500.00 I Fidelity: 5,000 I
