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US Bank is difficult and unpredictable for credit card approvals. Freezing IDA/ARS credit reports has helped some.
Over time I got both the personal and business Club Carlson cards when they launched and then last Winter Olympics got both personal and business FlexPerks Travel Rewards. A few months later tried for Avianca and was denied. Others are still trying to get their first card.
It has long been taken as a given that having a banking relationship can help with credit card approvals. A Chase agent will reference the total customer relationship when making a decision. Will it help with US Bank?
US Bank Gold Checking is an interesting product among major banks. As long as you have an open US Bank credit card, personal loan or line there is no monthly maintenance fee. No requirement for minimum balance or direct deposit. Reports are that the account application is a soft credit pull, not hard. Earlier this year there was a $150 sign-up bonus, now expired, that could be stacked with a $100 bonus for their START saving program. What’s not to like?
I want to try for the new-ish FlexPerks Travel Amex version and am thinking of doing checking first. Or being greedy and waiting for a checking bonus.
Readers, any experience? Your take?