US Bank Altitude Reserve Approval - $19.5K SL

[Total80sKid]

Congrats on a great approval!

Star light, star bright!

[Drwaz99]

Congrats!

[NichelleN]

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@Anonymous wrote:

Congrats on the approvals. What were your data points? Recent inquires/new accounts?

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Thanks!

On Experian specifically I was at 0 inquiries before yesterday. I applied for the CSP first so that counts as 1 inquiry before the US Bank application. And the only new account I've had in 3 years was for a car lease. I believe my Experian FICO was at 755. It's a bit depressed due to some card balances.

[Anonymous]

Thank you, I'm just trying to gauge as many different data points from as many people as possible to decide when I should apply.

[NichelleN]

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@NichelleN wrote:

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@Anonymous wrote:

Congrats on the approvals. What were your data points? Recent inquires/new accounts?

---

Thanks!

On Experian specifically I was at 0 inquiries before yesterday. I applied for the CSP first so that counts as 1 inquiry before the US Bank application. And the only new account I've had in 3 years was for a car lease. I believe my Experian FICO was at 755. It's a bit depressed due to some card balances.

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Updating this since I now know that US Bank pulled TU. I was at 0 inquiries there.

[NichelleN]

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@Anonymous wrote:

Thank you, I'm just trying to gauge as many different data points from as many people as possible to decide when I should apply.

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I totally understand. I was pretty gun shy about applying but figured I would give it a shot. I have a pretty thick file and have been a US Bank customer for years. I'm in the process of updating my portfolio and figured I would apply for a couple of cards I want while shutting down a few others. Note that I updated it to reflect my TU data as that is what they pulled.

[Anonymous]

Congratulations  .... very well done!

[gdale6]

Excellent approval out of conservative US Bank

[Credit4Growth]

😄 Congratulations on your Instant approvals!

I wanted the AR as one my 1st  three rebuilding cards back in 2018

I was so overly ambitious and foolish at the same time

[Credit4Growth]

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@NichelleN wrote:

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@Anonymous wrote:

Thank you, I'm just trying to gauge as many different data points from as many people as possible to decide when I should apply.

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I totally understand. I was pretty gun shy about applying but figured I would give it a shot. I have a pretty thick file and have been a US Bank customer for years. I'm in the process of updating my portfolio and figured I would apply for a couple of cards I want while shutting down a few others. Note that I updated it to reflect my TU data as that is what they pulled.

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@NichelleN  Thank you for the data you provided I. The last two post

Does the mobile purchase with the AR still give a return of 3x?

Also, I had heard(IDK if you are aware but hope you could comment) that having an auto loan with USBank can count as a financial product which will qualify a member as eligible to apply for the AR, given they have not other CC with them.

I am thinking of the AR as a backup/alternative to the AOD Visa Signature... for miscellaneous spend but I would have to give it a great deal of thought when comparing the two (annual fee vs no annual fee and other benefits.

Maybe I will reread some AimHigh's post again.