https://ficoforums.myfico.com/t5/Credit-Card-Applications/US-Bank-Altitude-Reserve-Existing-Relation...
Really shocked the reconsideration worked. I figured I had no chance. This is my last card I'm opening after my 7 card app spree in 4 weeks. Looking back I wish I exercised more patience but what's done is done. I'm going to target the NFCU cards next year and focus on getting high CL's.
Denial letter arrived, Equifax FICO 9 was pulled with score of 787.
1. Average time bankcard revolving accounts have been open is too short. (My AAoA is 6y 6m)
2. Too many bankcard revolving and charge inquiries. (3/6/12/18 month EQ inquiries were 2/0/0/7[2 of 7 were from car loan rate shopping])
3. Too many credit inquiries in the last 3 months. (I had two, C1 Venture X card opened and CLI on my Chase Cards both 21 days prior.
I was told it would go into a 2nd review and I should find out results by calling back in 2 days. I had them make a note of the reason for one of the inquiries being the approved CLI. To my surprise I received an approval email 3 hours later for a $10K CL!!!! Back to the garden I go and shall not return for at least 12 months.
Congrats on the successful recon and approval. 👍
yeah I would hide after this approval, be very careful running up any balances on any of the new cards or you may run into trouble with US Bank. Grats on getting the minimum CL for approval!!
Congrats on your U.S. Bank Altitude Reserve approval
