USBank Turd strikes

Cindy90 · ‎07-15-2025

I got a letter from USBank saying that due to inactivity they are lowering my Platnium card from $13,500 to $500.

It also stated my 497 Turd score with a bunch of factors.

I have a Shoppers, Go, and state farm with 15k CL's. I use those. Hopefully they won't touch those limits?

FicoMike0 · ‎07-15-2025

Wow, your turd is even lower than mine!

I have the shoppers and connect. I use them both, but can't get a cli because usb are turds.

If they hadn't paid me $800 in bribes to take the cards, I'd be mad.

Varsity_Lu · ‎07-15-2025

Ha ha ha ha...turd.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

NoHardLimits · ‎07-15-2025

@Varsity_Lu wrote:
Ha ha ha ha...turd.

That's really what it's called: TransUnion Rapid Default model.

May 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:

FICO9:

VantageScore3:

Inquiries (n/12, n/24):

AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%

Varsity_Lu · ‎07-15-2025

@NoHardLimits wrote:
@Varsity_Lu wrote:
Ha ha ha ha...turd.
That's really what it's called: TransUnion Rapid Default model.

Yea, I know. Still funny, though.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

AndySoCal · ‎07-15-2025

@Cindy90 @Approximately how long has it been since you used the Platinum Card? I ask because I have the Cash+ card that gets some usage. I want to make sure I do not have a problem due to inactivity..

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

FICOdawg · ‎07-15-2025

@Cindy90 wrote:
I got a letter from USBank saying that due to inactivity they are lowering my Platnium card from $13,500 to $500.

It also stated my 497 Turd score with a bunch of factors.

I have a Shoppers, Go, and state farm with 15k CL's. I use those. Hopefully they won't touch those limits?

Curious how many HP and SP in last 24 months and how many new CC last 24 months.

FICO8 scores 7/19/25
TU: 773
EX: 767
EQ: 772
1/12 & 0/24

pizzadude · ‎07-19-2025

@FICOdawg wrote:
Curious how many HP and SP in last 24 months and how many new CC last 24 months.

Agreed - the "Rapid" component of the TURD score in my mind implies recent app sprees / inquiries / new accounts, etc...

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

FicoMike0 · ‎07-19-2025

This month, they didn't drop the turd on me! Instead, they did a hp. I got $3000 on both of my cards. I already had a tu HP for my prime app. I figure two hps will age off in the same 12 months.