Since I wanted the use the card for travel over the holidays, I went to my branch and pulled the trigger. At the time, I had 4 inquiries in the past year, with 1 in the past 6 months. Also, had 1 new cc account within the past 6 months. Utilization at 9%. Fico 8 scores were EX 758, TU 748, EQ 774. Not sure which version was used, but they doubled pulled Experian - once for Altitude and second for PLOC. Both were sent to manual review. Later that day I received a call from the banker stating the AR was approved for $5k. With that low a limit, I thought I would be approved for the PLOC. The next day I had a call that the PLOC was denied. While not all that happy with limit and being denied for the PLOC, I contacted their underwriting department to try to increase the cl on the AR. I told the rep that I had been approved for the AR and was hoping to increase the cl. She asked me how much I wanted. Since I didn't want to push it, I asked to $10k. The only question she asked was what I was going to use it for. I told her to travel over the holidays. She said she would submit it and that is could take 24 to 48 hours. I logged into my US Bank account this morning and the AR is on my dashboard with a cl of $10k.
FICO 8 EX 784 TU 786 EQ 786
FICO 9 EX 780
AMEX - Platinum, BCP, Delta Platinum, Simply Cash Plus, Blue Business Cash (Business)
Barclay - Arrival Plus, AAdvantage Aviator
Capital One - Venture, Sparks (Business)
Chase - FU, CSP
Citi - Premier, PLOC
Discover It Miles
TD Cash Visa
US Bank Altitude Reserve
Wells Fargo Propel AMEX
PNC Points Visa
FNBO Evergreen Visa
