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US Bank Altitude Reserve Approval

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US Bank Altitude Reserve Approval

Recent cards: 2/6 3/12 5/24
Pulled TU (FICO8 744, 0 Inquiry)
AAoA: 9 months
Utilization: 0%
CL approved: 5k
Income: Low six-figure
Total CL at the time of application: 40k

So after getting Chase Hyatt for 22k CL and bumping my status to 5/24, I opened a US Bank checkings account and waited for one and a half month before applying for Altitude Reserve.

I did the application online on Sunday, and the message was "unable to provide a decision at this time". Surprisingly it didn't show the 7-10 day message. I called status check this afternoon and was happy to find it approved. I received the approval email that contained the CL an hour later.

I was a bit surprised by the 5k limit.. But I guess it's because of my short AAoA and the fact that the card was from US Bank.

Edit: Shipped Tuesday afternoon by UPS next day air saver from Fargo, ND. Will arrive Wednesday afternoon.
Message 1 of 22
21 REPLIES 21
Super Contributor

Re: US Bank Altitude Reserve Approval

 

Welcome To myFICO Forums and

 

 

 

 

Message 2 of 22
Senior Contributor

Re: US Bank Altitude Reserve Approval

Congratulations on your approval!
Message 3 of 22
Established Contributor

Re: US Bank Altitude Reserve Approval

Congrats!

Chase Sapphire Reserve 18.5k
Barclays Aviator Red 4k
Citi AAdvantage Platinum Select 12k
Amazon Store Card 10k
Chase Freedom Unlimited 11.7k

Fico 8s as of 01/18/2020:




Message 4 of 22
Valued Contributor

Re: US Bank Altitude Reserve Approval

Congrats on your AR approval!! I was denied for the card earlier this year and am counting down the days until I can apply again (77, ha!)

Congrats again!!
Message 5 of 22
Regular Contributor

Re: US Bank Altitude Reserve Approval

Congrats on the approval.

Great card to have.  Works great with Samsung Pay for the 3x points.

Approved for a cli after 6 months.

FICO 8 EX 764 TU 784 EQ 787
FICO 9 EX 771
Garden since Aug 2019
AMEX - Platinum, BCE, Delta Platinum, Simply Cash Plus (Business)
Barclay - AAdvantage Aviator
Capital One - Venture, Sparks (Business)
Chase - FU, CSP
Citi - AAdvantage WEMC, PLOC
Discover It Miles
TD Ameritrade Visa
US Bank Altitude Reserve
Wells Fargo Propel AMEX
BBVA Compass
Message 6 of 22
Regular Contributor

Re: US Bank Altitude Reserve Approval

congrats....where are you located?....i would love for them to pull TU....im in ga

Message 7 of 22
Valued Contributor

Re: US Bank Altitude Reserve Approval

Congrats on the approval!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 8 of 22
Valued Contributor

Re: US Bank Altitude Reserve Approval


@britt585 wrote:

congrats....where are you located?....i would love for them to pull TU....im in ga


I have never apped with US Bank but according to the link below with consolidated references on "Which Banks Pull Which Report", US Bank always pulls TU FICO (9) as far as My Fico members have reported.  This is a really helpful link to bookmark if you're concerned about inquiries as they are spread across the bureaus.  

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 9 of 22
Valued Contributor

Re: US Bank Altitude Reserve Approval

Congrats on your Altitude Reserve approval

@amersandiagoSmiley Very Happy

That's a very nice card to have!

Enjoy!

 ... and welcome to My Fico Forums!

 

Vancouver Fireworks Celebration Of Light 2013 Survival Guide

 

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 10 of 22
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