Been itchy to apply for this card for a while now to increase my keeper card profile. I was going to wait until I got under 2/12 in early September, but just couldn't wait anymore. So I went ahead and applied for it on Tuesday and got an instant deinal, letter 7-10 days, etc. For the first time in my life I called recon and was very nervous to talk to the person.
So he pulls up my application, says that I was denied to too many new accounts, but I pointed out that I only have two personal accounts in the last year and I have been looking at adding this card to my profile to use long term and build a relationship with U.S. Bank. He was very kind and offered to send it to manual UW and I should hear something in 3-5 days. Woke up this morning to an approval for $2,000! Small limit, but I don't need a large one to make use of this card.
Applied under the 120k/$3k offer. Getting 40k points every year for renewing for only $75/yr. Really excited to get approved in a new bank and finally got rid of my itch for a new card. DP's below; everything is pre-submission:
Pulled EQ, live in MO
Score - 779 (CK Score)
Inq - 7 (5 in the last 12, 2 for mortage)
Utilization - 3%
AAoA - 26 months
Income - $90k
Nice recon, Congrats on the approval and SUB!