US Bank Altitude Reserve Approval

[Anonymous]

Congrats on the approval. Beautiful card to have!

[credit_is_crack]

Congrats on the USB AR @amersandiago! This is a nice card and as long as you use up the travel credit you're looking at a max of $75 for the AF. It even beats the Apple card for ApplePay, and that's their whole business 

[gdale6]

Fantastic approval from a conservative bank, congrats and welcome to myFico

[SEAlifer]

Very nice! Sounds like they're less picky than Chase whose CSR starts with a $10K limit minimum.

[Anonymous]

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@Aim_High wrote:

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@britt585 wrote:

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

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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...

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And I'm guessing you have to pay to get your FICO 9? 

I was recently considering a US Bnk CC, but unsure how TU 9 would differ from TU 8.

[Aim_High]

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@Anonymous wrote:

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@Aim_High wrote:

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@britt585 wrote:

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

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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-Apps-quot-list/td-p/5542910

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And I'm guessing you have to pay to get your FICO 9? 

I was recently considering a US Bnk CC, but unsure how TU 9 would differ from TU 8.

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I think FICO Bankcard 8 and FICO Bankcard 9 are extremely close.  

Goldman Sachs pulled my TU FICO 9 for the Apple card and in my case, I think it was within 3 points or so of my last TU FICO 8. 

[longtimelurker]

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@Aim_High wrote:

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@britt585 wrote:

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

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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...

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FWIW (and in this case shows that this is not the case!)  US Bank told me that at least for the Altitude Reserve, the computer makes a random choice.  My daughter has TU pulled, so I unfroze TU when I applied a few days later.   I was told that they couldn't see the report and got the above explanation.   I unfroze all three, and they pulled EX.   Both of us were in MA.

[Aim_High]

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@longtimelurker wrote:

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US Bank told me that at least for the Altitude Reserve, the computer makes a random choice.  My daughter has TU pulled, so I unfroze TU when I applied a few days later.   I was told that they couldn't see the report and got the above explanation.   I unfroze all three, and they pulled EX.   Both of use were in MA.

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That's different ... and interesting.  Thanks for that info. 

If you haven't already done so, that would be good info to add to the thread I mentioned.

@credit_is_crack  has been updating that table as members update the DPs.

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

[calyx]

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@Aim_High wrote:

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@britt585 wrote:

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

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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...

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USBank pulled EQ (& Sagestream) for me when I applied for their secured Visa, so it's definitely not an "always" thing.
They did pull TU when I called about graduating

(NC)

[calyx]

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@Anonymous wrote:
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.

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Congrats!  That's a great card!