I was targeted 3 times (1st for the 18 months 0% APR; 2nd for the SUB; and the 3rd once again for the 18 months with 0% APR). I have a small brokerage account and my Roth IRA with them, but not previous relationship with Elon or US Bank and I was approved for $23.6K. I don't remember all the DPs but I was shocked, but you can search my thread. They pulled my EQ and if IIRC my scores were above 730 at the time.
Now the card stays in wallet as my 'catch all' card.
For rewards you have to earn a min $25 CB before you can transfer the funds to Fidelity account of your choosing.
I think your odds for approval are good. No guesses on SL.
At the time I was approved for $15,000/13.99% :
- TU-only
- 2/24
- All FICO8 scores over 800
- Aggregate UTIL at 1%
Everytime this card is brought up, I'm right back to feeling like I need it again lol. Unfortunately haven't been contributing to my smaller Fidelity accounts recently bc of higher life expenses and I've been using my CSP as my daily driver for ease. But, there's something about the color green 
@AwsiDooger wrote:They approved me for $25,000 a couple of months ago. I have a longstanding relationship with Fidelity, via brokerage account and IRAs. Plus my credit scores happened to be slightly over 800 at the time. That was fluke timing. It's the first time they've been there and it didn't last long. I think I had just paid off balance transfers. I've mentioned that I often use balance transfer cash deposits to fund my mutual funds, like a low interest gamble. Technology had a huge year. Now I've done it again so my scores suffered a little bit, to 780 range.
As someone else indicated, I also use Fidelity as the catch all card. Anything that isn't 5% goes on Fidelity. I have Auto Redeem set to On.
There was a 0% on purchases and balance transfers for 18 months, I believe.
I do like the light green color, but not as much as the forest green of my TD Bank card.
Lol same goes for the FNBO evergreen for me
If I was targeted for the 18 months 0%, I'd hope on it. Have one more large purchase I need to make then saving a 5/24 for a BT myself.
@Anonymalous wrote:
@elboullee wrote:I had planned on gardening for another 8-10 months to get under 5/24 - and I may still do that. But truth be told, there aren't many more Chase cards that I'm interestd in. World of Hyatt, maybe.
Anyway, got another targeted offer from Fidelity, good for the next three months [and yes, I do have a couple of accounts with them]. It's the $150 SUB offer with 19.24%, which is fine by me as I don't need to do a balance transfer.
Anyway, what's the current consensus on what Elan/U.S. Bank is looking for? My FICOs range from 755-770, AoOA is 2.5 years, and I'm currently 2/6, 2/12, 5/24 [would be 2/9 at time of application, if that's even a thing]. Decent chance of approval? If yes, would I have a good shot at a decent SL?
Thanks.
Edited to add: Seems Elan pulls TU for this card and after checking my TU account [1] there's only one HP on my TU and [2] the most recent SP on my TU was from, wait for it - Elan.
I don't have the card, but I got a mailed offer for it when I had just over 1 year of credit history, with the full $150 SUB, so my guess is your AoOA is fine. My scores were similar. I had some money with Fidelity, but not a lot. Elan in general seems to like profiles that are 2/12 or less, which is a little more generous than the 1/12 of US Bank. Though that's based on Elan's baseline cards like the Max Cash Preferred, and the Fidelity card may be different. Are you sure they'll pull Transunion? Elan in general varies by state, though again the Fidelity Rewards may be different.
2/12 accounts? Are they equally sensitive to ALL INQs (home, auto, loan, etc) or just CC ?
Second question:
Any DPs to suggest how recent of a report is pulled? I had a 60 day fall off on the 1st, but my most recent report was available on the 29th and it shows that 60 day still on there and the new score is 24 points higher.
