cancel
Showing results for 
Search instead for 
Did you mean: 

How long from having U.S. Bank Checking Account to Applying for a Credit Card

mppaul271
Frequent Contributor

How long from having U.S. Bank Checking Account to Applying for a Credit Card

I opened a U.S. Bank checking account last November 1. For the SUB, 2. start a relationship for future credit cards, Altitude Go specifically. How long should I wait before applying for optimum chance of acceptance  ...6 months?? 

Message 1 of 3
2 REPLIES 2
RSX
Valued Contributor

Re: How long from having U.S. Bank Checking Account to Applying for a Credit Card

it depends more on your recent accts and recent INQ

 

USB likes a low amount of new accounts in the previous 12 months (less than 2) and a equivalent low amount of INQ 

they also go back 24 months, so if you had a lot of new accounts in the last 24, but not 12, that may still hurt you with them

 

do you have those details handy to post here?

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2020 EX. 729 EQ. 723 TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
June 15/2022 EX. 709 EQ. 684 TU 710
Inq. EX 3 EQ 4 TU 3 - - CC 5x24, 2x12
Amex BCP $32k - Apple GS $19k - BMW/Elan $14k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $25.5k - HSBC Gold - $13k - PayBoo - $7.6k - Penfed Gold - $12.5k - USB AltitudeGO -$16k- USBank Cash+ -$24k - PenFed LOC - $20k - USB LOC - $8k
Message 2 of 3
mppaul271
Frequent Contributor

Re: How long from having U.S. Bank Checking Account to Applying for a Credit Card


@RSX wrote:

it depends more on your recent accts and recent INQ

 

USB likes a low amount of new accounts in the previous 12 months (less than 2) and a equivalent low amount of INQ 

they also go back 24 months, so if you had a lot of new accounts in the last 24, but not 12, that may still hurt you with them

 

do you have those details handy to post here?


@RSX Looking at my Experian report from Jan 21 of this year, my Williams Sonoma card with Cap1, Fidelity Rewards, and FNBO Evergreen were all opened in 2021, I have 3 inquires.  Before these new accounts, my last cards were opened in 2014. Oh well, good to know..it wasn't a super dire need...just a nice to have :-)

 

Thanks!

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.