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U.S. Bank Platinum Visa Approval (but low SL)

leo222
Valued Member

U.S. Bank Platinum Visa Approval (but low SL)

Hi All,

I have about $7800 on a couple balance transfer cards, that I would like to transfer to some other BT cards. I really like(d) USB's long 20-month BT period. Ultimately, I was approved but only got a measly SL of $1100. I don't know, perhaps I will try RECON - Today is Sunday though, so I may have to wait until tomorrow to do that.


FICO is around 750 right now, 3/24 including this recent USB app (my other two were CC's I got approved for 14 months ago), 18% UTIL.

Message 1 of 13
12 REPLIES 12
AllZero
Super Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

Congratulations on your approval!

Message 2 of 13
gdale6
Moderator

Re: U.S. Bank Platinum Visa Approval (but low SL)

You may have some luck with recon, grats on the approval Smiley Happy

Message 3 of 13
leo222
Valued Member

Re: U.S. Bank Platinum Visa Approval (but low SL)

Thanks, guys.

 

Yeah I'm curious what they'll likely ask me, when I call in for the RECON, and what the best way to get it would be. I'll do a bit of reading up on here. Will it help me with the recon if I'm able to show them the financials in my Schwab brokerage account? I've done very well in the market lately, and have a nice amount in cash / stocks.

Message 4 of 13
gingerflower
Valued Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

Congratulations on your approval!

Message 5 of 13
Credit4Growth
Valued Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

Congratulations on the approval!

 

Keep us posted on the follow up recon... GL2U!

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 6 of 13
CreditAggie
Senior Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

Congratulations on your US Bank approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 7 of 13
FinStar
Moderator

Re: U.S. Bank Platinum Visa Approval (but low SL)


@leo222 wrote:

Thanks, guys.

 

Yeah I'm curious what they'll likely ask me, when I call in for the RECON, and what the best way to get it would be. I'll do a bit of reading up on here. Will it help me with the recon if I'm able to show them the financials in my Schwab brokerage account? I've done very well in the market lately, and have a nice amount in cash / stocks.


They really won't request for the extra documentation, unless you really have high unsecured exposure with USB and UW requests for it.

 

Just be aware that they can HP again for reconsideration, which has been reported in many instances.  As long as you don't mind the HP, contact them and see if that yields anything favorable.

Message 8 of 13
cashorcharge
Valued Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

That's terrific!!  Congratulations on your approval!!🥂🎉

Message 9 of 13
dudefromtx
Established Contributor

Re: U.S. Bank Platinum Visa Approval (but low SL)

Congrats on the approval!

Message 10 of 13
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