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Is US Bank inquiry sensitive? :O

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Anonymous
Not applicable
‎04-03-2013 04:46 PM
‎04-03-2013 04:46 PM

Re: Is US Bank inquiry sensitive? :O

What is your score on Experian plus score?

Message 21 of 83
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Ron1
Super Contributor
‎04-03-2013 05:02 PM
‎04-03-2013 05:02 PM

Re: Is US Bank inquiry sensitive? :O

I had 10 inquiries when I applied for US Bank Cash+.  They were all credit card apps.

Message 22 of 83
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enharu
Super Contributor
‎04-03-2013 05:03 PM
‎04-03-2013 05:03 PM

Re: Is US Bank inquiry sensitive? :O

@ron, were those inquiries in the past 12 months?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 23 of 83
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toppers555
Established Contributor
‎04-03-2013 05:05 PM
‎04-03-2013 05:05 PM

Re: Is US Bank inquiry sensitive? :O

@Anonymous wrote:

they are very bad about inq.I got denied 3 times last month from them


why apply 3 times??



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 24 of 83
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Ron1
Super Contributor
‎04-03-2013 05:08 PM
‎04-03-2013 05:08 PM

Re: Is US Bank inquiry sensitive? :O

Yes, I got approved for $8K. not instantly approved. I had to wait for a week for decision.

 

 

Ron.

Message 25 of 83
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enharu
Super Contributor
‎04-03-2013 05:16 PM
‎04-03-2013 05:16 PM

Re: Is US Bank inquiry sensitive? :O

Did you have to call recon? U just gave me hope! Smiley Very Happy
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 26 of 83
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09Lexie
Moderator Emerita
‎04-03-2013 05:19 PM
‎04-03-2013 05:19 PM

Re: Is US Bank inquiry sensitive? :O

@toppers555

Why ask why? ESP with the 90day wait in between apps for US Bank.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 27 of 83
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Open123
Super Contributor
‎04-03-2013 05:21 PM
‎04-03-2013 05:21 PM

Re: Is US Bank inquiry sensitive? :O

I think they're more new accounts sensitive.  You can't have more than 3 or 4 new accounts the past 6 months.

Message 28 of 83
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enharu
Super Contributor
‎04-03-2013 05:22 PM
‎04-03-2013 05:22 PM

Re: Is US Bank inquiry sensitive? :O

@Open123 wrote:

I think they're more new accounts sensitive.  You can't have more than 3 or 4 new accounts the past 6 months.

so technically, if my new accounts hasn't reported yet, i can sneak by this crack? unethical, i know, but beggars like me can't be choosers Smiley Tongue

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 29 of 83
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Anonymous
Not applicable
‎04-03-2013 05:27 PM
‎04-03-2013 05:27 PM

Re: Is US Bank inquiry sensitive? :O

You could do that but they might close your account after they SP you and see all the other new accounts.

Message 30 of 83
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