US Bank Altitude Go Approval (possibly surprising)

Tediore · ‎03-16-2024

Got an instant approval for the Altitude Go the other day! 10K USD credit limit. I think it's surprising given my recent new accounts, but maybe not. I also have no prior relationship with US Bank, but I'm not sure how much that actually matters.

FICO 8:

TransUnion: 818

Equifax: 824

Experian: 807

Pulled TU only. 4 inquiries before this application, 3 of which were in the last year.

AAoA: 6y 10m

Oldest account: 12y 7m

New revolvers: 0/6, 2/12, 3/24

Total credit limit: $129K

Derogatory marks: None

Technically I was 1/6 and 3/12 since I got a new card about a week prior, but it hadn't appeared on my reports yet so it didn't exist as far as US Bank was concerned. This was one reason I decided to apply for the US Bank card at this time.

Traveler101 · ‎03-16-2024

Congratulations 🎊

CubanCheapSkate · ‎03-16-2024

Congratulations and thanks for the data points!

SouthJamaica · ‎03-16-2024

@Tediore wrote:
Got an instant approval for the Altitude Go the other day! 10K USD credit limit. I think it's surprising given my recent new accounts, but maybe not. I also have no prior relationship with US Bank, but I'm not sure how much that actually matters.

FICO 8:
TransUnion: 818
Equifax: 824
Experian: 807

Pulled TU only. 4 inquiries before this application, 3 of which were in the last year.

AAoA: 6y 10m
Oldest account: 12y 7m
New revolvers: 0/6, 2/12, 3/24
Total credit limit: $129K
Derogatory marks: None

Technically I was 1/6 and 3/12 since I got a new card about a week prior, but it hadn't appeared on my reports yet so it didn't exist as far as US Bank was concerned. This was one reason I decided to apply for the US Bank card at this time.