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
CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000
Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000
Total CLI - $399,900
