Hi all - I applied for the US Bank Cash + card last week and received the 7-10 day message. I received the card in the mail yesterday and was approved for $14,000. This is low in relation to my other cards but my understanding is that US Bank is a conservative lender. I previously had a fairly high auto loan ($75,000) with them that was paid off a few months ago. They pulled Experian and my score was 721. I'm currently carrying high balances on a couple of my cards utilizing balance transfer/no interest offers.
Congrats! Great card and SL.
Thanks, guys. As requested, here are some data points:
- FICO 8: 775 (TU) and 774 (EX) [as noted above, US Bank pulled a 721 EX score for me so they must use a different scoring model]
- Inquiries: 1 (TU) and 4 (EX)
- Utilization: 13% (TU) and 14% (EX)
- Average age of accounts: 14 years (TU and EX)
- No baddies
- Annual income: $450,000
