US Bank Altitude Reserve Approval--UPDATE CLI GRANTED @ $10K

[Rebuild2019]

Congrats 🎊🎉🎈@dberryhill on your approvals.

[Anonymous]

Thanks all. Pretty excited about the approval. Still considering calling about the SL, but that will have to happen later this afternoon. 

[randomguy1]

Congrats on the approval. I thought a higher fico was needed for them. Thanks for the data point with TU. What state are you in btw?

[Anonymous]

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@randomguy1 wrote:

Congrats on the approval. I thought a higher fico was needed for them. Thanks for the data point with TU. What state are you in btw?

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I actually wanted to include that data point for people as I thought the same. I am in Illinois. While ability to repay and credit scoring are big data points, I think the key part for a lot of their UW process is the lack of credit seeking behavior on top of it all. Would definitely think about being 1/6 tops and 2/12 when applying. 

[Anonymous]

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@CreditCuriosity wrote:

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@Anonymous wrote:

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@coldfusion wrote:

Congrats on the approval, but I suggest you call ASAP today and make your case for a higher starting limit.   

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Is there a special place I should be calling or just the normal recon line? 

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One of these #'s should work.  Other people that have more experience with us bank would know better whether same HP or would be additional HP etc.  Use to be a SP to reconsider, but heard recently it has been a HP, but not sure if it is a YMMV type of thing?

US Bank: 800-947-1444, 800-685-7680 (Underwriting)

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Requested a CLI (as the card has already been sent out... real fast these ones). We will see what happens from here. Still pretty happy with where I am at right now but it would be nice to be able to have a little breathing room. 

[simplynoir]

Congrats on getting one of the last unicorns left in the credit world! 🍸

[AllZero]

Congratulations on your approval!

[coldfusion]

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@Anonymous wrote:

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@randomguy1 wrote:

Congrats on the approval. I thought a higher fico was needed for them. Thanks for the data point with TU. What state are you in btw?

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I actually wanted to include that data point for people as I thought the same. I am in Illinois. While ability to repay and credit scoring are big data points, I think the key part for a lot of their UW process is the lack of credit seeking behavior on top of it all. Would definitely think about being 1/6 tops and 2/12 when applying. 

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You're correct that they are very sensitive to what they consider credit-seeking behavior but that's true across all of their cards, not just the Altitude, and also holds true for even profiles that are both wide and deep. 

One other point is that they also often SP ARS and/or Sagestream which can make it worthwhile to ensure that your LexisNexus report is accurate.   

[Remedios]

@Anonymous congrats, my new AR buddy

Welcome to the cult. Robes are ready,, hope you got chants memorized 

[M_Smart007]

Congrats @Anonymous