Altitude Go Low Limit DP

[thecraftycraven]

Hey Everyone, 

Just wanted to put my DP in case anyone was interested in becoming a new customer with US Bank, without prior relationship and not living within a US Bank local branch area. For reference:

23 

Income: 53000

3/6

5/24 ( Don't really care for Chase, but if you do here's that)

Average age of accounts: 2 yr 6 months 

Oldest account: 5 yrs 4 months (Student loan)

Capital One Savor One - 2/2024 $2000

Amex BCE - 7/2024 $5000

Citi Custom Cash - 2/2025 $4700

Apple Card - 3/2025 $2000

PayPal Debit - 3/2025 (Not a CC, but yea)

and now 

Altitude Go - 3/2025 $500

Honestly bummed about the CLI but I know that going forward it was the most likely scenario especially with so many credit pulls in a short time. I needed this card to build relationship with US Bank, love the custom service, liked the multiplier with 4x on dining since dining is my primary spending each month by a landslide, $15 credit can go towards my Apple Music so like 2 and half months free essentially, trying to thicken my profile with no annual fee cards I need now, and working on a cash back set up and potentially get the Connect for the future to get cash back on travel. Not traveling now which is another reason for the cashback focused setup. 

[cashorcharge]

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂

[thecraftycraven]

Thanks appreciate it. Any tips on when to ask for CL increase with US Bank? 

[Beefy1212]

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@thecraftycraven wrote:

Thanks appreciate it. Any tips on when to ask for CL increase with US Bank? 

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I had a similar start with USB. Low credit age, no banking history, lots of new accounts, 500 dollar SL...

I asked at 6 months there was a hard pull. The computer gave me a 500 dollar cli asked for recon the underwriters gave me 9500.

My recon success here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/USB-CLI-reconsideration-500-to-9500/m-p/66711...

What I did to go from 500 to 10k was spend like crazy for the first 6 months I averaged 550/mon in spend. Basically if the difference was 1-2%cb and I had enough limit it went on the Go. If I didn't have enough limit I paid off the balance and just kept using it.

I have since gotten the limit up to 15k. I froze my TU report before asking for the 10k to 15k CLI in the app. Every request since then has been met with a request to unfreeze my report and I have declined.

[CreditAggie]

Congratulations on your Altitude Go approval!

[CreditMagic7]

That's pretty awesome! Congratulations!