Does US Bank Have A New 2/12 Application Rule? Data Points Needed

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Did US Bank Credit Card Application Rules Get Stricter? Share Your Data

Did US Bank Credit Card Application Rules Get Stricter? Share Your Data

A call for data points: did US Bank credit card application rules get stricter? I had a strange phone conversation with US Bank today. The fact it repeated itself when I called back later looks like they tightened up their rules. Maybe others are seeing something different. Or maybe you’ve experienced the same. Here’s a look.

The Application

I mentioned previously that I would apply for the Radisson Rewards Visa Card from US Bank. This card aligns with a need / gap in my travel rewards pool. Given our previous understanding of their application rules, I applied today because I had some previous cards mature this week. Plus, some previous inquiries fell off my credit report this week, so today was the magic date I’d marked on the calendar.

My current status: I’ve been on a heavy diet of business cards to get my number of recent accounts down. Thus, I was 3/24 when I applied and had only 2 inquiries in the last 12 months. I also have a US Bank checking account with over $3,000 in it, plus their self-directed investing account. These both establish a relationship with them; I’ve had the checking account for over a year. I thought I was sitting pretty.

I got an instant rejection.

Phone Call To US Bank

I was pretty surprised, so I called US Bank immediately for a reconsideration call. I asked why I’d been rejected, given my existing relationship, high credit score, etc. The phone rep told me that they automatically deny anyone who has opened more than 2 credit cards in the past 12 months. This is different than what Mark was told earlier this year.

That was shockingly new to me, so I inquired more about it. She said this policy is new, given to them “a few months ago.” She said they are prohibited from reconsidering any cards flagged for more than 2 new cards in the past 12 months.

Are US Bank credit card application rules changing? Call for data points.

The 2nd Phone Call

I immediately asked around. Of course I searched for this on Google. There seems to be no information on this. The more I talked to people about it, the more confusing it seemed. I decided to call again.

I spoke with a different representative this time (for comparison, the first was an older female and the 2nd sounded like a very young male). He was very chatty and willing to tell me all about this new rule. He said it applies to all cards in their portfolio. Indeed, anyone with more than 2 new credit cards (and he even said loans, also) in the past 12 months will be rejected automatically by their computer system. He looked through my credit report from the application and specifically mentioned that I have an account that will mature October 12 and could apply after that. “Maybe not the day after, just in case, but you should be eligible after that.”

Unfortunately, that won’t be possible for me. I applied for a few cards today, so those should hit my account before October 12, keeping me above 2/12. Article coming soon on those apps and things I learned.

Call For Data Points

Do you have recent experience with US Bank? At first, I thought maybe this just applied to their co-branded cards with Radisson. However, both reps told me that this 2/12 rule is new and applies to all of their credit cards. Both told me they are not allowed to overturn this via recon call and that the rejection is automatic for those over 2/12. However, the fact I can’t find any mentions of this…anywhere…is baffling. Are both reps wrong? Or is this really new and no one has written about it yet? Maybe it only applies to the Radisson card (which isn’t wildly popular), and the reps were wrong that it’s for all cards?

If you’ve applied for any cards with US Bank recently (as in the last 2 months), please let us know. Have they told you about any new US Bank credit card application rules? Did you get approved while being over 2/12? Please let us know, so we can build a clearer picture of what’s going on with them.

Ryan Smith
Travel hacker in 2-player mode, intent on visiting every country in the world, and can say "hello" or "how much does this cost?" in a bunch of different languages.

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  1. So if the rep on the phone told you, “more than 2 credit cards in the past 12 months,” ie. ‘3 or more’, then wouldn’t the rule be 3/12? So you could be 2/12 and have a new US Bank card take up the third slot for a maximum of 3/12? Or am I misunderstanding?

    • She said has opened more than 2 in the last 12 months. That would mean that 2 is the cap including your US Bank application.

      • Hi Mark – The OP wrote, “The phone rep told me that they automatically deny anyone who has opened more than 2 credit cards in the past 12 months.” ‘More than 2’ does NOT mean 2. ‘More than 2’ = 3 or more. That means the sentence could be rewritten as, “The phone rep told me that they automatically deny anyone who has opened (3 or more) credit cards in the past 12 months.” Assuming the quote and the rep were correct, then one could have opened two credit cards in the last 12 months – because 2 is not “more than 2” – and still be eligible for a US Bank card.

        Using the Chase 5/24 rule as an example, it means you can be 4/24 (four previous cards within the last 24 months) and still get a Chase card – because the Chase card would take up the fifth spot. So with that in mind, the syntax for the OP’s rule should have been 3/12 – meaning an applicant could be 2/12 and still not be “more than 2” previous credit cards in 12 months, and the the US Bank card application could take up the third spot of the 3/12 rule the OP described.

        This is why I was hoping the OP, Ryan Smith, would clarify that maybe he misquoted the US Bank telephone rep or something. If not, then the rule he described should be 3/12, and NOT 2/12. Thanks for your comment

  2. Approved for me with a bus lev cc in August, wife approved for same bus lev beginning of sept. Both well over 2/12

  3. Pretty odd. My wife and I both got denied a year ago for Radisson and alt reserve. 30 days ago I applied for 2 alt reserve. After they went pending, I applied for 2 Radisson cards was well. We ended getting approved for all 4. Both of us are at least 7 cards in 12 months.

    • Nate – wow! Can you tell me more? What other accounts do you have with US Bank (banking accounts, etc.), and how long have you had them?

      • Sure. We have had a checking account with us bank for 10 years, but no other services. I forgot that I did get the us bank cash+ a year ago. Not sure that this matters, but I put probably 300 a month in utility payments on the card. We each got denied for Radisson cards at least once or twice in the last 12 mon. We’ve only been in the hobby for 18 mon but have hit it pretty hard.

        • Nate – thanks for the info. I’m sure using your cards a lot plus a long history helps with approvals. The more I learn, the more confused I am, but thanks for providing info.

  4. A little old but I got biz cash from USB approved June 9. Well over 2/12. I did have an existing USB checking account.

  5. lol/24 for business cards. Applied and denied for US bank leverage business card in April. Then opened personal checking in June for the checking bonus and re applied for business leverage in first week of July. Went to pending and new credit card account appeared in the login after 3 days..around July 10th. Happened with me and P2..finally both of us got it the same time. I do have raddison business from before but P2 never had a card with US bank till now

    • Anand – thanks for the info. Looking more and more like this is a special rule for Radisson (or maybe SUPER new, but more likely a Radisson rule).


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