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Regular Contributor
Peaches4524
Posts: 124
Registered: ‎10-06-2009
0

US Bank Flexperks $1,500 CLI

Called in today to ask about a CLI because I've had the card for 6 months.  I've read on the board that they pull hard now for CLI but I asked her three times if it would be a soft pull and she said yes a soft pull.  So, I said go ahead and see what happens.  I asked for $1,000 and she told me they approved me for $1,500.  She said that I must be special because it was an immediate approval. Ha!  Anyway, I haven't gotten a notification of a hard pull yet so I should know by tomorrow if it  was truly a soft pull. 

11/15/11- TU FICO 707 EQ FICO 710 EXP FAKO 738 (USBANK)
12/12/11 - TU Fico 727 EQ FICO 710 EXP FAKO 739 (USBANK)
Goal Score - 750 by 12/31/2012
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
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Re: US Bank Flexperks $1,500 CLI

Congrats.

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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: US Bank Flexperks $1,500 CLI

I know this is an old post, but US Bank does mostly soft pulls for anything $1500 or less.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
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HiLine
Posts: 2,878
Registered: ‎10-19-2012
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Re: US Bank Flexperks $1,500 CLI


Dustink wrote:

I know this is an old post, but US Bank does mostly soft pulls for anything $1500 or less.


For CLI requests you mean?

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: US Bank Flexperks $1,500 CLI

[ Edited ]

Yes for CLI's, as in the case of the OP.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Re: US Bank Flexperks $1,500 CLI

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: US Bank Flexperks $1,500 CLI


tennisfan78 wrote:

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?


They like to see 6 months between increases. With the 1500 increase, your expierence may vary. I always ask for more than that and take a HP.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Re: US Bank Flexperks $1,500 CLI


Dustink wrote:

tennisfan78 wrote:

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?


They like to see 6 months between increases. With the 1500 increase, your expierence may vary. I always ask for more than that and take a HP.


They have increased my credit limit to $5000 and upgraded to CashPlus couple of months ago. After 6 months, how much limit can I ask for? Is it too much to ask to make it $10,000?

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
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Re: US Bank Flexperks $1,500 CLI

It will be a HP, but you can ask for whatever you want.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: US Bank Flexperks $1,500 CLI

Dustin, so your saying if I request a $1500 cli online it will only be a soft pull?
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