U.S. Bank Altitude Connect - $15k starting limit

[portlandmusician]

Well, a week and a half ago I applied for the U.S. Bank Altitude Connect for the TSA pre-check (and the $500 SUB for $2k spend in four months).  I got the dreaded 7-10 business day wait notification when I applied.  I tried calling to see what the problem was, but was told until I get my letter, they couldn't help.  So, I waited.

I got the letter last night, saying they couldn't verify my identity, and to call the Customer Authentication Department.  So, I did that today.  I waited on hold for 45 minutes, then was on the phone with them for about 5 minutes while they verified my identity.  After that, I was told I would be notified by email or letter in 24-48 hours.

About two hours later I got an email (that went to my spam folder) that i was approved for $15k and would have my card in 4 days.  I can't find the APR in the email or the app, so I'll wait on that. But, I was approved.

[Priory_Man]

Congrats on the approval and a healthy CL

[wingennis]

Wow, they really made you work for it.  Congratulations.

[KingRue8500]

Congrats on your U.S. Bank Altitude Connect approval

[cashorcharge]

WooHoo!! Congratulations on your US Bank Approval!!👏🏼🍾🥂

[Traveler101]

Congratulations!

[Stealth-1]

---

@portlandmusician wrote:

I waited on hold for 45 minutes

---

Wow, a 45 minute hold. Congrats on the card approval and nice SL.

[calisig]

would you mind sharing any of your data points at the time of application?

x/6 and x/12 new accounts

FICO score

congratulations

[portlandmusician]

@calisig Absolutely.  Sorry for not putting that in initially.

They pulled TransUnion.  I don't know my FICO on TransUnion at the time, but the FAKO on TransUnion VantageScore 3.0 (via U.S. Bank) was 815.  My Experian FICO 8 at the time was 837.

I was 0/6 and 0/12 on new accounts.  I was one month past 1/12 (U.S. Bank Altitude Go in August 2021).  I purposely waited until I was 0/12 to apply for the Connect.

I had three hard inquiries on TransUnion at the time - four after U.S. Bank pulled TransUnion.  One from December 2020, one from August 2021 (U.S. Bank), and one from September 2021 (denied for that card - Navy Federal Flagship).

My two other U.S. Bank cards - Cash+ ($14,900 starting limit) and Go ($15k starting limit) - plus a mortgage was U.S. Bank is my history with U.S. Bank.  Mortgage is 15 years old.

I hope that helps.

[babygirl1256]

Congrats on your U.S. Bank Altitude Connect Card approval.