# US Bank — documented application rules

> US Bank application rules, documented: 2 tracked rules (2 active as last confirmed), 3 dated rule changes on record since 2016, most recently May 31, 2021. Every change dated and sourced; statuses reflect our last documented confirmation, not live issuer policy.

## Frozen-report denial (US Bank) — Active — last confirmed May 31, 2021

- **2021-05-31**: Confirmed that US Bank will not pull an alternate bureau or accept a temporary PIN — Date reflects the reference page's update. Reports indicated the applicant must unfreeze the report themselves, and Doctor of Credit noted that freezing the ARS and SageStream reports had shifted from a recommended tactic to something that could make approval harder. — sources: https://www.doctorofcredit.com/which-credit-card-issuers-will-approve-an-application-with-a-frozen-credit-report/ · https://www.doctorofcredit.com/things-everybody-should-know-about-us-bank-credit-cards/
- **2016-09-26**: Automatic denials with a frozen ARS report first reported — Card investigation reps described automatic denials for applicants whose ARS report was frozen as a new policy; Doctor of Credit found the data points inconsistent and noted that a frozen report blocked reconsideration after a denial. — sources: https://www.doctorofcredit.com/whats-going-ars-u-s-bank-will-instantly-deny-frozen-report/ · https://milestomemories.com/us-bank-denial-ars-sagestream/

## Recent-tradeline sensitivity (US Bank) — Active — last confirmed September 27, 2016

- **2016-09-27**: Denials and account shutdowns for numerous recently opened tradelines documented — Denial and closure letters cited a number of recently opened tradelines and sufficient existing credit lines; several reports involved applicants who had opened many cards that year or applied for multiple US Bank cards at once. — sources: https://www.doctorofcredit.com/psa-becareful-u-s-bank-applications-previous-accounts-shutdown/ · https://www.doctorofcredit.com/things-everybody-should-know-about-us-bank-credit-cards/

Canonical page: https://www.bonuseagle.com/rules/us-bank
Full dataset: https://www.bonuseagle.com/rules/dataset.csv (CC BY 4.0)