US Bank Altitude Reserve (AR) Recon Approved

TheFIGuy · ‎12-06-2022

Update:

All (3) (AR) cardmember services representatives were wrong. Just got a notification from UPS My Choice that I have a package from US Bank arriving tomorrow. The Service Level is UPS Next Day Air Saver.
Looks like they have changed shipping to standard USPS 7-10 business days to deliver. Not sure if this is because of cost cutting or temporary. But I HUCA 3x to (AR) card member services and received the same response.

US Bank Accounts:

Cash+ - $20k CL
Elan Financial Fidelity Rewards - $23k CL
Altitude Reserve - $5k CL (NEW)

Originally denied:

Maximum amount of unsecured credit already available
Too many revolving accounts

Called into the reconsideration department after receiving the denial letter and explained my case and history with US Bank and it went into manual review for 3 business days until today when I received an email notification of my approval. Happy they reconsidered my request but I may have to strongly consider in the future to manually Credit Line Decreasing (CLD) both Cash+ and Fidelity Rewards to open more runway for the Altitude Reserve on Credit Limits.

Income: Mid-Six Figures

CreditAggie · ‎12-06-2022

Congratulations on your US Bank Altitude Reserve approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (August 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

M_Smart007 · ‎12-07-2022

Congrats on the Approval!

PullingMeSoftly · ‎12-07-2022

Congrats, glad you received a positive recon result! I wouldn't do any CLD, just follow the normal CLI schedule from here on out (every 7 mo), and you can work that one up.

Chase Sapphire Preferred Visa Sig │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 3x mobile wallet

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $29,000 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $31,800 │ 5% selectable rotator

Citi Custom Cash MC │ $20,000 │ 5% selectable rotator

Bank of America Customized Cash Rewards Visa Sig │ $30,000

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Signature Rewards Visa │ $25,000

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

FLLGuy · ‎12-07-2022

congrats! i thought US Bank was difficult when it comes to recons. Awesome that it worked out great for you.

KingRue8500 · ‎12-07-2022

Congrats on your U.S. Bank Altitude Reserve approval

TheFIGuy · ‎12-07-2022

@PullingMeSoftly wrote:
Congrats, glad you received a positive recon result! I wouldn't do any CLD, just follow the normal CLI schedule from here on out (every 7 mo), and you can work that one up.

Thanks for the advice, I was just assuming because they declined me for effectively "too much credit" they wanted to see less aggregate revolving unsecured credit with US Bank. But after doing a little research on here it looks like people have 80k+ of aggregate credit with just this card alone lol. I'll follow the direction of 7/months ask for CLI and expect HP.

cashorcharge · ‎12-09-2022

WooHoo! Congratulations on your USBank AR Approval!!!🎉🍾🥂