Us Bank Altitude Go Mailer Question

[Matt9543]

Hi everyone,

I'm mainly here to ask for more information about an offer I received for this card today. I applied before, but was denied due to too many accounts being opened. The offer I received was for 20,000 points after $1k spend, which is the same offer online, but the details say that my APR would be 15.99%, which is only 1% higher than the lowest. I recall seeing before that some mailers woud yield you a higher approval rate if the APR was a solid number, not a range. Is this the case with US Bank as well? I don't see myself really applying right as this moment, but just curious in case I ever receive another offer letter from them in the future. Thank you in advance for the info!

[blindambition]

That is in no way indicative of an approval. You may have checked all their boxes, but still just marketing. I wouldn't attempt application unless 0-1/12. They continue to be conservative on new accounts/inquiries, with very few exceptions.

[Matt9543]

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@blindambition wrote:

That is in no way indicative of an approval. You may have checked all their boxes, but still just marketing. I wouldn't attempt application unless 0-1/12. They continue to be conservative on new accounts/inquiries, with very few exceptions.

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Okay cool, thank you. Just wasn't sure if it would result in a better yield if they gave an offer code and solid APR. Thanks for the info

[learningtheropesofcredit]

I also got this mailer, and it expires in a few days.

I'm at 1/12, with my last new account in December 2020.

Given that, and given I got this mailer, do you think I have a high probability of getting it (I understand it's marketing, not a pre-approval)?  Or... would it be the same probability of getting the Altitude Connect (of which I did not get a mailer for)?  Meaning, it doesn't matter if I got the mailer or not, if I apply for a U.S. Bank card it's anyone's guess and it won't matter on which card I get?