USB Altitude Reserve

[Creditplz]

Considering applying to the US Bank AR... how keen is US Bank on banking relations?. I had a horrible incident with my bank so I moved over a large chunk of my savings to US Bank... account opened over 2 years ago..

Are they like WF?. When it comes to banking relations correlating with UW?.

Fico8 Ex: 781, TU: 773. My only worry is the 69 Apps on EX... only 8 on TU..

[Brian_Earl_Spilner]

U.S. Bank is one of the few that consider banking relationships. Many people deposit $500 for a few months prior to apping to improve their chances. People swear it helped and even led to higher starting limits.

[stonedog23]

I’m not 100% positive, but isn’t that the one card that is only available to existing customers?

[Brian_Earl_Spilner]

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@stonedog23 wrote:

I’m not 100% positive, but isn’t that the one card that is only available to existing customers?

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It's their flagship and you do have to be an existing client. Question really is, is a savings account enough, because the OP is an existing client thanks to their savings account. He should probably go in to a branch and ask the manager.

[hawkins]

Wow if I am reading this correctly did you say you have 69 INQs on you EX? I don’t feel so bad now with 29. Also I believe they check TU so you could get lucky there.

[imaximous]

OP qualifies to apply for AR for having a savings account. That definitely covers the eligibility part.

USB has pulled TU or EQ for me, however, how many of those 69 EX INQs or 8 TU led to new accounts? That is the issue and not so much the # of INQs they may not see (unless they also SP EX). From recent data, it appears they’re not offering recons if the denial is due to the number of new accounts.

[Anonymous]

@Creditplz... shinny new USB Altitude Reserve would look mighty nice under your flag Note, USB uses a "customer relations score" which is not discussed here but, can be a plus sometimes when needed. For myself, since their system has never allowed me to obtain online approvals I have used the in branch bankers and it took two days for approvals (manual review) and everything I wanted was approved. Good luck on whatever you choose?

[addicted_to_credit]

I can’t comment on the AR other than it looks attractive to me since I travel A LOT just not for some time, I started by apping for the platinum for the long term 0% apr it came with. USB gave me a 3500 SL, I then opened a checking account and maybe a month +\- later I apped for the cash+ and was approved a few days later with a 14k SL.

I don’t keep much in the checking account as it isn’t my main. Both were manual reviews and they had questions since I apped away from my home address. I do like them a lot they’ve been a breeze for me to deal with and I want to grow with them.

I’m sure there’s some DP’s I’m leaving out so if you have any questions just ask!

[Anonymous]

While your savings account is enough to apply for the card, I'll warn you that if you've opened 5 or more new accounts in the last 12 months, your chances are slim. Also depends on where you're located for who they pull. In CO, they almost exclusively pull EX.

I was denied recently and they've been my main bank for over 12 years. I'll try again in Nov.

[Winesnoblv]

The Altitude Reserve card is the one that you need to have a banking relationship with US Bank in order to apply.  The approval process for this card seems to go to a manual review.  I have a 19 year banking relationship with them and was able to be approved for the card last year.  However, I was declined for their PLOC at the same time.  Not sure how the relationship plays on other credit items with US Bank, but from what I understand regarding my profile, I have been told by bankers to always ask for a manual review.  I did so recently and was able to receive a cli with a hp.  It is very difficult to understand US Bank credit.