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US Bank Altitude Reserve Saga

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US Bank Altitude Reserve Saga

Let me preface this:  I was holding out for the CSR, however, thanks to @Remedios@K-in-Boston, @UncleB, and @simplynoir I decided to go for the US Bank Altitude Reserve...

 

After the Schwab Platinum I knew I was going to go for a Visa Infinite card and, after talking to a few of my Garden Peeps, I settled on the USB Altitude Reserve.

 

As of Wednesday, November 15th, I wasn't a US Bank customer so I opened a Gold checking account.  After waiting the commensurate number of days I applied for the Altitude Reserve on Wednesday, November 20th. (I called to make sure I had waited long enough)  This was met with absolutely zero fanfare.  All I received was a "we received your application" splash screen.  No email, no text, nothing.  Zero, zip, nada.

 

So I waited...about 2 hours, at which point my impatience got the best of me.  I called the credit card applications number and, wouldn't you know it, the automated system didn't know who I was!  Luckily for me, the system automatically transferred me to a representative who informed me, "it is processing and you should hear back in the next day or two."

 

I made it all the way until Friday, November 22nd before I couldn't help myself and called back.  They give me the same spiel.  "Still processing..."

 

Fast forward to Wednesday, November 27th.  I was busy and surprising patient about the whole thing but enough was enough.  I called in the number again.  The system still doens't know who I am and once again transfers me.  Agent says they need to verify a few things before underwriting can deal with it.  We play a rousing game of twenty questions and, finally, they forward the app to underwriting who will get to it "within a few days".  I asked if I could have them review it immediately, the CSR said, "No." 

 

Since we're not into the holiday, I patiently (see neurotically checked the app for new accounts and my email for notifications) waited until this morning to call them back.  Ironically enough, I didn't check the app this morning since I was locked and loaded to call them and ask, what the FICO is taking so stinking long!  Much to my surprise, my fully charged attitude and bright smiling charm were for not.  After I was once again being insulted by the automated system, the agent tells me I've been approved!  So I open the app and wouldn't you know it, she was right.

 

Approved on Friday for $11,000.  As you can imagine, I'm pretty happy about the whole thing.  My only disappointments are: they didn't actually tell me I was approved in any way, I didn't get the card in time for the $1,300 I just spend on tires, and they shipped my card via USPS and I can't add it to Apple Pay until I receive the physical thing.  Other than that: <happy dance/>

 

Capture.JPG

 

TL; DR; US Bank is slow.  Approved for $11,000 after what seemed like an eternity.

 

Data Points

Income: Just shy of $100,000

FICO 8s: EQ 779, TU 759, EX 753 (Pulled TU)

FICO 9 TU: ~760 (I was 758 before the HP and 765 after, I don't know what I was on that day)

Cranberry: 5%

n/x Status:  1/6, 1/12, and 4/24



FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 1 of 58
57 REPLIES 57
Valued Contributor

Re: US Bank Altitude Reserve Saga

Congratulations on your approval!
Message 2 of 58
Established Contributor

Re: US Bank Altitude Reserve Saga

Congrats on a flagship card. Thanks for the data.  

Message 3 of 58
Moderator

Re: US Bank Altitude Reserve Saga


@ZoomZoom557 wrote:

Let me preface this:  I was holding out for the CSR, however, thanks to @Remedios@K-in-Boston, @UncleB, and @simplynoir I decided to go for the US Bank Altitude Reserve...

 

After the Schwab Platinum I knew I was going to go for a Visa Infinite card and, after talking to a few of my Garden Peeps, I settled on the USB Altitude Reserve.

 

As of Wednesday, November 15th, I wasn't a US Bank customer so I opened a Gold checking account.  After waiting the commensurate number of days I applied for the Altitude Reserve on Wednesday, November 20th. (I called to make sure I had waited long enough)  This was met with absolutely zero fanfare.  All I received was a "we received your application" splash screen.  No email, no text, nothing.  Zero, zip, nada.

 

So I waited...about 2 hours, at which point my impatience got the best of me.  I called the credit card applications number and, wouldn't you know it, the automated system didn't know who I was!  Luckily for me, the system automatically transferred me to a representative who informed me, "it is processing and you should hear back in the next day or two."

 

I made it all the way until Friday, November 22nd before I couldn't help myself and called back.  They give me the same spiel.  "Still processing..."

 

Fast forward to Wednesday, November 27th.  I was busy and surprising patient about the whole thing but enough was enough.  I called in the number again.  The system still doens't know who I am and once again transfers me.  Agent says they need to verify a few things before underwriting can deal with it.  We play a rousing game of twenty questions and, finally, they forward the app to underwriting who will get to it "within a few days".  I asked if I could have them review it immediately, the CSR said, "No." 

 

Since we're not into the holiday, I patiently (see neurotically checked the app for new accounts and my email for notifications) waited until this morning to call them back.  Ironically enough, I didn't check the app this morning since I was locked and loaded to call them and ask, what the FICO is taking so stinking long!  Much to my surprise, my fully charged attitude and bright smiling charm were for not.  After I was once again being insulted by the automated system, the agent tells me I've been approved!  So I open the app and wouldn't you know it, she was right.

 

Approved on Friday for $11,000.  As you can imagine, I'm pretty happy about the whole thing.  My only disappointments are: they didn't actually tell me I was approved in any way, I didn't get the card in time for the $1,300 I just spend on tires, and they shipped my card via USPS and I can't add it to Apple Pay until I receive the physical thing.  Other than that: <happy dance/>

 

Capture.JPG

 

TL; DR; US Bank is slow.  Approved for $11,000 after what seemed like an eternity.

 

Data Points

Income: Just shy of $100,000

FICO 8s: EQ 779, TU 759, EX 753 (Pulled TU)

Cranberry: 5%

 


Most excellent!!  Smiley Very Happy  screamer.gif

 

johnstewart.gif

 

You'll find that their tech ins't the greatest, but the handful of times I've had to call them (to add the card to Samsung/Google Pay and to change my due date) I've found them to be quite pleasant to deal with... they spoke to me like person, not like they were reading from a script.

 

I've found the card to be solid as a rock so far, and unless I have a major lifestyle change I plan to keep it for the long haul.  I got off to a clunky start with Real-time rewards and I admit I'm still getting the hang of it, but for (effective) 4.5% back on all mobile pay transactions I'll manage! Smiley Wink

 

Again, huge congrats and welcome to the cult club!  Smiley Very Happy

Message 4 of 58
Moderator

Re: US Bank Altitude Reserve Saga


@ZoomZoom557 wrote:

We play a rousing game of twenty questions and, finally, they forward the app to underwriting who will get to it "within a few days". 


I forgot to mention... regarding "twenty questions," I was also impressed/surprised with how much info they had on me. 

 

Based on our collective experiences it's obvious they rely heavily on the secondary bureaus when making lending decisions (for better or for worse).

Message 5 of 58
Frequent Contributor

Re: US Bank Altitude Reserve Saga

Congrats!  Sounds like it was worth losing a spade for.

 

Gardening starting 8/1/19
Goal: 0/24, diamond spade, and SAVE, SAVE, SAVE!!

Open Tradelines: +$1,500 CFU Auto CLI
Inquiries: Age: New TLs/months: 3/24 2/12 2/6
FICO 8 Scores: 09/2019: 10/2019: +19 -33 11/2019: +12 +21
Message 6 of 58
Super Contributor

Re: US Bank Altitude Reserve Saga

Big congrats!

 

Made you sweat a while, didn't they?

Message 7 of 58
Community Leader
Senior Contributor

Re: US Bank Altitude Reserve Saga


@DivorcedAndBroke wrote:

Congrats!  Sounds like it was worth losing a spade for.


@DivorcedAndBroke  For this card, I'd melt it down for scrap.  Smiley Wink



FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 8 of 58
Community Leader
Senior Contributor

Re: US Bank Altitude Reserve Saga


@kilroy8 wrote:

Made you sweat a while, didn't they?


@kilroy8 Oh yea.  I almost had to change my socks!



FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 9 of 58
Community Leader
Senior Contributor

Re: US Bank Altitude Reserve Saga


@UncleB wrote:

Again, huge congrats and welcome to the cult club!  Smiley Very Happy


Thanks @UncleB!  I'm super-duper-excited.  Maybe now eMother will love me again!



FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 10 of 58
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