Can't make this up. They must have comedians working over there. They approved my Platinum invitation for $2,000. Apparently they think I can use it for ALL my purchases! 
Some Datapoints: (from today)
Inq's:
EQ: 6/12
TU: 0/12
EX: 6/12
Scores:
EQ8: 730
TU8: 763
EX8: 735
EQ9: 752
TU9: 774
EX9: 743
Aggregate CC Util: 13%
2 new auto loan accounts: USBank - 11 months - 70%, Penfed - 5 months - 65%
REI MC (US Bank, $6500 limit) taken over by CapOne in Aug, was my only other US Bank account
2 new cc's: Aspiration Zero - 10 months, FNBO Evergreen - 10 months
Congrats on the approval! It was likely the # of inquiries and the 2/12 that lead to the low SL. They have been super conservative lately with everything going on in the economy.
Congrats on the approval, still a decent SL but you can always call recon to have it reviewed.
@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback. Is it worth doing recon? I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?
@805orbust wrote:@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback. Is it worth doing recon? I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?
@805orbust Super easy, just call the backdoor # to underwriting listed in the Applications forum. You can mention the basic facts (like no new accounts in 12 mo), that the SL is not up to par with your other accounts and that you are responsible with your credit lines. I like that with their recon # they actually answer as "Underwriting".
Ok, I'm going to give it a shot. With pain in the rear this has been thus far, what's another stint on hold with the underwriting department? Keep y'all posted.
@805orbust wrote:Ok, I'm going to give it a shot. With pain in the rear this has been thus far, what's another stint on hold with the underwriting department? Keep y'all posted.
@805orbust, Good Luck!
Congrats on your USBank CC approval! 🤑👍
@805orbust wrote:@SDMarikYeah, ironically something popped up in the approvals section about USBank this morning and that was the feedback. Is it worth doing recon? I wasn't going to bother, and have never done that before @PullingMeSoftly , is it a rather straightforward process?
I mean it's worth a shot, you have nothing to lose by trying. It's usually only successful if there is something on your profile that you can explain or might not be as it seems. If the inquiries are the reason it might be a lost cause, but I would think its certainly worth a call.