US Bank Altitude Reserve Approval--UPDATE CLI GRAN... - Page 3 - myFICO® Forums

Anonymous · ‎11-08-2019

@Remedios wrote:
@Anonymous congrats, my new AR buddy
Welcome to the cult. Robes are ready,, hope you got chants memorized

The chantbook you sent over just was 20 pages of the word "precious." I really am excited--this has definitely been a unicorn card for me and I am happy to sneak in to the USB ecosystem. Fits well with my other cards for sure.

Anonymous · ‎11-08-2019

@simplynoir wrote:
Congrats on getting one of the last unicorns left in the credit world! 🍸

Thanks! Really excited. I've definitely randomly laughed out loud twice today thinking about it. Even more excited with how fast they shipped it (sounds like its been done already).

This card is gonna be great when paired with my Note.

simplynoir · ‎11-08-2019

@Remedios wrote:
@Anonymous congrats, my new AR buddy
Welcome to the cult. Robes are ready,, hope you got chants memorized

https://youtu.be/GdxuWq1-5qk

CreditCuriosity · ‎11-08-2019

@coldfusion wrote:
@Anonymous wrote:
@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?
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.
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.

Will add to this they also pull EWS for CC's... They love their 3rd party bureaus.