The current debate raging right now is if we need to hit U.S. Bank before even hitting Chase. I am currently 24/24 right now and have been denied for Altitude card #2 as well as the Skypass Select in the last two days:
I applied in persson to get my first and only U.S. Bank card 2.5 years ago. I have $33k in credit on my first Altitude card, but I don’t get the MLA waiver since I opened the card before October 2017. In the last year I opened 8 new cards:
I have to be careful since these two attempts have put two new inquiries on my credit report. Some people say that more than 6 inquiries in 6 months may result in denials for future Citicards.
Should we consider revising the strategy as such:
- U.S. Bank Altitude
- Chase United Club Card
- Freedom Unlimited (Upgrade to CSR in 1 yr)
- Marriott Bonvoy Boundless (Upgrade to Ritz in 1 yr)
Please report in on when you got your Altitude and how many cards you had before applying for it. We need to crack this U.S. Bank problem before making our optimized churning wallet! I have been working on this since January 2018.
Update: I got this letter today (04 May 2019):
It appears that the most recent lines with Citibank are the problem, and they were not even hard pulls. I also checked credit karma and saw that the two pulls were not combined: