Product change to US Bank Altitude Reserve

Anonymous · ‎10-15-2018

I was checking in to see if anyone had successfully PC'd their current US Bank credit card to an Altitude Reserve (I have a Cash+ right now). If yes, were you able to get the sign-up bonus too?

Thanks in advance.

Anonymous · ‎10-15-2018

@Anonymous wrote:
I was checking in to see if anyone had successfully PC'd their current US Bank credit card to an Altitude Reserve (I have a Cash+ right now). If yes, were you able to get the sign-up bonus too?

Thanks in advance.

To my knowledge, USB does not do PC's of any kind. You would have to app the card you wish to have. Most banks in general don't give you a sign up bonus when you PC either.

NRB525 · ‎10-15-2018

USB allows some PC, but it seems unlikely to Altitude Reserve.

You would not get the SUB, of that I am certain.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎10-16-2018

I called in to check if I was eligible for any kind of PC, and it looks like I am only eligible for the same cards that show up on their pre-qual site, which is kind of disappointing to be honest.

FinStar · ‎10-16-2018

The Altitude Reserve is not a card that can be PC'd into OP, as mentioned by @NRB525 upthread.

Some PCs may be possible for other products, depending on the type of account, and if eligible.

NRB525 · ‎10-16-2018

OP which cards do you have with USB? Any other credi products with them, checking?

FICO scores? General credit history?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎10-16-2018

@NRB525 wrote:
OP which cards do you have with USB? Any other credi products with them, checking?

FICO scores? General credit history?

My only relationship with USB is the Cash+ card I have, which is about 9-10 months old. My FICO scores are 720-740 in between the 3 bureaus. My file is relatively thin right now, with the oldest account being 1.5 years old. My file is absolutely clean, with no late payments and 2% util. I have 6 credit cards open right now, which is why I want to hold off on applying for new credit for 6 months (which would be up in January) so as to have a better shot with the AR.

NRB525 · ‎10-16-2018

Well, even if a PC were available, the C+ is not a year yet.

Keep using the heck out of that Cash+ even on 1% spend to build up history. You may do fine to app in six months. When you do app, go in branch. The banker will be able to do the app.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎10-16-2018

@NRB525 wrote:
Well, even if a PC were available, the C+ is not a year yet.

Keep using the heck out of that Cash+ even on 1% spend to build up history. You may do fine to app in six months. When you do app, go in branch. The banker will be able to do the app.

Is there a difference in odds with going in branch vs online?

Anonymous · ‎10-16-2018

You might have a good shot at getting approved. I was approved with similar scores and a pretty thin file (1.8 Aaoa) and had a cash+ card for about 7 months. It did not show up on the pre qual but I went for it anyways and was approved with a $6500 SL. Love the card with the Samsung Pay.