CLI on from Us Bank

[Creditaddict]

My mom got a letter in the mail today, they auto increased her from 6k to 8500.

[Anonymous]

I got a 0% BT for 12 mos in the mail the other day, what would you say their requirements are for approval?

[Creditaddict]

680 credit score, not to much debt.

[dollar_bill]

I bank at US Bank and while I can't say for sure if that has anything to do with it, they've been very good to me with my LOC and Visa card.

[Anonymous]

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@Anonymous wrote:
I got a 0% BT for 12 mos in the mail the other day, what would you say their requirements are for approval?

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I received one a couple of months ago and was told that one deal killer is more than 2 inq. and 2 new accounts in the last 6 months.

I was approved with a score of about 712; 2 inq. AND 2 new accts. in the last 6 months. I got the "7-10 day" message, but was then approved

[Anonymous]

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@dollar_bill wrote:
I bank at US Bank and while I can't say for sure if that has anything to do with it, they've been very good to me with my LOC and Visa card.

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Although being a customer is always a plus, with anyone really, they tend to be pretty fair across the board regardless it seems.

[Anonymous]

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Cheech wrote:

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@Anonymous wrote:
I got a 0% BT for 12 mos in the mail the other day, what would you say their requirements are for approval?

---

I received one a couple of months ago and was told that one deal killer is more than 2 inq. and 2 new accounts in the last 6 months.

I was approved with a score of about 712; 2 inq. AND 2 new accts. in the last 6 months. I got the "7-10 day" message, but was then approved

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Oh man, I should have been denied!

TU98 was 682 (TU04 was 698) when I applied on 1/17/2009 -- or thereabout.  Util around 30%.  I rec'd prob 5 pre-apps from them and finally took the bait.  Rec'd 3k.

INQ:  2 (Dec08, Jan09)

New Accts:  Chase/Aug08, Mtg(sold immediately)/Aug08, Mtg/Aug08, FurnitureCFL/Aug08, AmexGreen/Oct08, Ikea/Dec08

New Accts (aged 6-12 months):  Cap1/Jan08, Discover/Feb08, BofA/Mar08 (lost card), BofA/Mar08 (new acct #)