Hello everyone!
I just came off a year of "involuntary gardening" due to a fraud situation (someone used my info to try to buy a car online) and I admit I had the itch. A happy side effect of the strict gardening was that my HPs went to basically nothing (TU-2, EQ-1, and EX-3) and of course there had been no recent new accounts, so I figured the timing was right to try for a couple of 'acquisitions' that would usually be out-of-reach.
Anyway, I decided to roll the dice and give the U.S. Bank Connect a try. I admit the sign-up bonus was what initially got my attention, and after the first year I'm going to see if I can get them to PC it to another Cash+, and if that fails possibly an Altitude Go.
The app went to review, just like my Cash+ back in 2017 and my Altitude Reserve in 2019. On the eighth (!!!) day the automated line finally told me I was approved, and that night I got the automated email:
It's a modest approval for a travel card, but considering my resources/profile and my existing U.S. Bank exposure (Cash+ $11k and Altitude Reserve $15k) I consider it generous. I don't have the card yet so I don't know the APR. They pulled TU, and my score is in the 800-820 range... I'll update with exact info when I get the card.
After applying for the Connect, I figured I would go for the Freedom Flex as well - that's another that under normal circumstances would be perpetually out-of-reach. During the Paypal and Walmart 5% quarters I can definitely use the extra 'bucket' and of course the bonus is nice as well. When I applied, it also went to review... I had the 30 day message. Thankfully they didn't make me wait too long... the next day it was approved for $9.6k.
Notably, this is the first time I've not been given the lowest APR on a Chase card... they assigned me 20.74% on this one. Not awesome, but I would never carry a balance on this card anyway so I'm not too worried. ¯\_(ツ)_/¯
As usual (for me) Chase pulled both EQ and EX. EX was 804, EQ should (???) have been similar... again, I'll update when I get the card in the mail with the exact scores.
Hopefully someone will find these data points helpful! 
Congrats 
Congratulations on your approvals!
@babygirl1256 wrote:Congrats on your U.S. Bank Connect -and- Chase Freedom Flex approvals . . . great discipline in the Garden!
Thanks! The Garden stint definitely wasn't planned, but it all worked out OK.
Congrats!
Starting Score: EQ8 680, TU8 713, EX8 701
@UncleB wrote:Hello everyone!
I just came off a year of "involuntary gardening" due to a fraud situation (someone used my info to try to buy a car online) and I admit I had the itch. A happy side effect of the strict gardening was that my HPs went to basically nothing (TU-2, EQ-1, and EX-3) and of course there had been no recent new accounts, so I figured the timing was right to try for a couple of 'acquisitions' that would usually be out-of-reach.
Anyway, I decided to roll the dice and give the U.S. Bank Connect a try. I admit the sign-up bonus was what initially got my attention, and after the first year I'm going to see if I can get them to PC it to another Cash+, and if that fails possibly an Altitude Go.
The app went to review, just like my Cash+ back in 2017 and my Altitude Reserve in 2019. On the eighth (!!!) day the automated line finally told me I was approved, and that night I got the automated email:
It's a modest approval for a travel card, but considering my resources/profile and my existing U.S. Bank exposure (Cash+ $11k and Altitude Reserve $15k) I consider it generous. I don't have the card yet so I don't know the APR. They pulled TU, and my score is in the 800-820 range... I'll update with exact info when I get the card.
After applying for the Connect, I figured I would go for the Freedom Flex as well - that's another that under normal circumstances would be perpetually out-of-reach. During the Paypal and Walmart 5% quarters I can definitely use the extra 'bucket' and of course the bonus is nice as well. When I applied, it also went to review... I had the 30 day message. Thankfully they didn't make me wait too long... the next day it was approved for $9.6k.
Notably, this is the first time I've not been given the lowest APR on a Chase card... they assigned me 20.74% on this one. Not awesome, but I would never carry a balance on this card anyway so I'm not too worried. ¯\_(ツ)_/¯
As usual (for me) Chase pulled both EQ and EX. EX was 804, EQ should (???) have been similar... again, I'll update when I get the card in the mail with the exact scores.
Hopefully someone will find these data points helpful!
Awesome job @UncleB nice to finally see an approval for this much talked about card
. As @Gmood1 would say " UNKA B B FLEXIN!"😁 glad to see one of the good guys getting sum credit luvin Enjoy!
@AverageJoesCredit wrote:
@UncleB wrote:Hello everyone!
I just came off a year of "involuntary gardening" due to a fraud situation (someone used my info to try to buy a car online) and I admit I had the itch. A happy side effect of the strict gardening was that my HPs went to basically nothing (TU-2, EQ-1, and EX-3) and of course there had been no recent new accounts, so I figured the timing was right to try for a couple of 'acquisitions' that would usually be out-of-reach.
Anyway, I decided to roll the dice and give the U.S. Bank Connect a try. I admit the sign-up bonus was what initially got my attention, and after the first year I'm going to see if I can get them to PC it to another Cash+, and if that fails possibly an Altitude Go.
The app went to review, just like my Cash+ back in 2017 and my Altitude Reserve in 2019. On the eighth (!!!) day the automated line finally told me I was approved, and that night I got the automated email:
It's a modest approval for a travel card, but considering my resources/profile and my existing U.S. Bank exposure (Cash+ $11k and Altitude Reserve $15k) I consider it generous. I don't have the card yet so I don't know the APR. They pulled TU, and my score is in the 800-820 range... I'll update with exact info when I get the card.
After applying for the Connect, I figured I would go for the Freedom Flex as well - that's another that under normal circumstances would be perpetually out-of-reach. During the Paypal and Walmart 5% quarters I can definitely use the extra 'bucket' and of course the bonus is nice as well. When I applied, it also went to review... I had the 30 day message. Thankfully they didn't make me wait too long... the next day it was approved for $9.6k.
Notably, this is the first time I've not been given the lowest APR on a Chase card... they assigned me 20.74% on this one. Not awesome, but I would never carry a balance on this card anyway so I'm not too worried. ¯\_(ツ)_/¯
As usual (for me) Chase pulled both EQ and EX. EX was 804, EQ should (???) have been similar... again, I'll update when I get the card in the mail with the exact scores.
Hopefully someone will find these data points helpful!
Awesome job @UncleB nice to finally see an approval for this much talked about card
Haha, thanks @AverageJoesCredit! 