Altitude Reserve Approval Data Point

Stealth-1 · ‎10-08-2022

Congrats on the instant approval and nice SL. Awesome profile and strong data point stats.

Navy Federal Cash Rewards Signature Visa: $30,000

Navy Federal Flagship Rewards Signature Visa: $25,000

Navy Federal More Rewards American Express: $25,000

Synchrony Premiere World Mastercard: $18,000

American Express Blue Cash Preferred: $5,000

American Express Blue Cash Everyday: $30,000

Navy Federal Checking Line of Credit: $15,000

Bank of America Cash Rewards World Mastercard: $35,000

Wells Fargo Rewards Signature Visa: $17,500

"If you don't stand for something, you might fall for anything."

firefox100 · ‎10-08-2022

Congratulations on a nice approvals from US bank, they are very nice to deal with.

CreditAggie · ‎10-08-2022

Congratulations on your Altitude Reserve approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

cashorcharge · ‎10-08-2022

WooHoo!! Congratulations on your USBank Approval!!👏🏼🍾🥂

KingRue8500 · ‎10-09-2022

Congrats on your U.S. Bank Altitude Reserve approval

gdale6 · ‎10-09-2022

Excellent SL on the AR, grats on the approval!

NoHardLimits · ‎10-09-2022

Thank you for all the kind and encouraging comments!

I really owe a debt of gratitude to all of the myFICO folks who posted tips on how to make US Bank's underwriters happy. In a nutshell, you need to look like you pose little to no risk. No more than 2 new accounts in the past 12 months, and zero new accounts in 6 months improves odds for an approval. Also, once you have established a relationship with US Bank for over 6 months, they are more confident in their ability to properly assess your riskiness. The generous starting limit on the Altitude Reserve was especially appreciated as I am planning to make this my primary travel card.

August 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:

FICO9:

VantageScore3:

Inquiries (n/12, n/24):