12-30-2012 12:06 PM
Chase and Discover seem to like me. Amex and US Bank are willing to approve me, but don't like me very much. Until today...
I requested a CLI on my REI Visa the day after Christmas via the US Bank website after charging and paying $500 on the card this month. REI had a good deal going that netted me $100 worth of gift cards for buying my new ski bindings and the REI Visa gives me an extra 5% dividend on REI purchases. I netted over $180 back on the purchase between the gift cards and dividend.
Last time I requested a CLI, US Bank denied me because the account was too new. This time, I expected they would do the same. The card is still under 6 months old. Instead, I got an alert of a Transunion inquiry on the 28th (Equifax and Experian are frozen - apparently, you can use freezes to redirect a US Bank inquiry). At first, I was a bit pissed. Why would they pull if the account was too new to grant a CLI? I signed into my account today to see that they had given me the increase I requested!
Now, Amex is the last holdout - everyone else is willing to give me $5,000 or more on a card. Amex gets a chance to bump me up on February 6.
12-30-2012 12:42 PM
Congratulations!!! US Bank always pulls EQ report for me. Can I ask how much CLI did you get and what your credit score is?
12-30-2012 07:44 PM
Now that your CL is at $5000, you could call in and request them to PC your card to USBank Cash Plus. You can get 5% cash back on select categories including Bill Pay.
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