US Bank Req Amount of time to wait?

Anonymous · ‎01-11-2016

Does anyone know if theres a required amount of time you have to wait before apping for another card with us bank?

(Please stay on topic)

NRB525 · ‎01-11-2016

When did you app? Is that the $300 Cash Rewards in your siggy?

Which card are you considering?

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

Themanwhocan · ‎01-11-2016

@Anonymous wrote:
Does anyone know if theres a required amount of time you have to wait before apping for another card with us bank?

(Please stay on topic)

When I was first starting out, I applied for a second US Bank card about 2.5 months after the first. However, US Bank back dates cards to the 1st of the month, so if that was considered then I applied 3 months later. $8,500 and $6,500 limits. Those were my 1st and 4th unsecured credit cards.

And though you didn't ask, If you submit a successful CLI request, you have to wait 6 months before your next request on that card.

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

FinStar · ‎01-11-2016

Interesting.

Anonymous · ‎01-11-2016

@Themanwhocan wrote:
@Anonymous wrote:
Does anyone know if theres a required amount of time you have to wait before apping for another card with us bank?

(Please stay on topic)
When I was first starting out, I applied for a second US Bank card about 2.5 months after the first. However, US Bank back dates cards to the 1st of the month, so if that was considered then I applied 3 months later. $8,500 and $6,500 limits. Those were my 1st and 4th unsecured credit cards.

And though you didn't ask, If you submit a successful CLI request, you have to wait 6 months before your next request on that card.

So I'm going to assume theres no required wait time for us bank.

Anonymous · ‎01-11-2016

@NRB525 wrote:
When did you app? Is that the $300 Cash Rewards in your siggy?
Which card are you considering?

Do you know if there's a required amount of time to wait? This has no relevance to me. I'm only asking that one question.

Themanwhocan · ‎01-11-2016

@Anonymous wrote:
@Themanwhocan wrote:
@Anonymous wrote:
Does anyone know if theres a required amount of time you have to wait before apping for another card with us bank?

(Please stay on topic)
When I was first starting out, I applied for a second US Bank card about 2.5 months after the first. However, US Bank back dates cards to the 1st of the month, so if that was considered then I applied 3 months later. $8,500 and $6,500 limits. Those were my 1st and 4th unsecured credit cards.

And though you didn't ask, If you submit a successful CLI request, you have to wait 6 months before your next request on that card.
So I'm going to assume theres no required wait time for us bank.

Both cards were requested in a US Bank, and both cards were instant approvals. Also, I applied for an Elan card (Elan and US Bank are subsidiaries of US Bancorp) about a week after my 1st card, and was approved for $4,500. My 3rd card was a $2000 discover it the next day, because they required me to call and verify my home address.

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

ddemari · ‎01-11-2016

Us bank won't approve me with my last TU FICO 04 at 758. I
Think getting one us bank credit card is an accomplishment, so if you could get 2 out of them in less than 90 days that's amazing!

Anonymous · ‎01-11-2016

@ddemari wrote:
Us bank won't approve me with my last TU FICO 04 at 758. I
Think getting one us bank credit card is an accomplishment, so if you could get 2 out of them in less than 90 days that's amazing!

Which one did you app for? Have you tried recon?

And you're lucky they pulled TU for you....my EX CR is dying lol.

Anonymous · ‎01-11-2016

@Themanwhocan wrote:
@Anonymous wrote:
@Themanwhocan wrote:
@Anonymous wrote:
Does anyone know if theres a required amount of time you have to wait before apping for another card with us bank?

(Please stay on topic)
When I was first starting out, I applied for a second US Bank card about 2.5 months after the first. However, US Bank back dates cards to the 1st of the month, so if that was considered then I applied 3 months later. $8,500 and $6,500 limits. Those were my 1st and 4th unsecured credit cards.

And though you didn't ask, If you submit a successful CLI request, you have to wait 6 months before your next request on that card.
So I'm going to assume theres no required wait time for us bank.
Both cards were requested in a US Bank, and both cards were instant approvals. Also, I applied for an Elan card (Elan and US Bank are subsidiaries of US Bancorp) about a week after my 1st card, and was approved for $4,500. My 3rd card was a $2000 discover it the next day, because they required me to call and verify my home address.

Thanks for the data point TMWC. Appreciate it.