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Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
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US Bank Cash + CLI

[ Edited ]

I had a message on my account (On account page, just under Account summary, etc.) It says"your account may be eligible for a credit limit increase, please click here offer ends 4/15/2014".  I clicked the link, and it took me to a place to enter my income.  I did that and received the following response:

 

Congratulations. Subject to final credit processing, your credit line will increase by $4,500.00, raising your total credit line to $16,000.00 for this account.

Please allow 2-3 business days for final processing, after which time any new credit line will be available.

You will also receive written confirmation via U.S. Mail in 7-10 business days.

 

Not sure if it was a HP or a SP< but no where on the page did it say it was checking credit. Others have reported that it is an account review, using a HP.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
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Re: US Bank Cash + CLI

So....have you accepted the offer? LOL  If so, congrats on your CLI!  I have a feeling that it would be a SP since the offer came from them.  But, keep us updated on the HP/SP results  mucho congrats on your CLI! 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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Re: US Bank Cash + CLI

That's a strange way of giving a CLI. I guess I will have to pay more attention logging in. Thanks for the heads up and Congrats!

Valued Contributor
Posts: 12,898
Registered: ‎08-13-2013
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Re: US Bank Cash + CLI


emptypockets wrote:

I had a message on my account (On account page, just under Account summary, etc.) It says"your account may be eligible for a credit limit increase, please click here offer ends 4/15/2014".  I clicked the link, and it took me to a place to enter my income.  I did that and received the following response:

 

Congratulations. Subject to final credit processing, your credit line will increase by $4,500.00, raising your total credit line to $16,000.00 for this account.

Please allow 2-3 business days for final processing, after which time any new credit line will be available.

You will also receive written confirmation via U.S. Mail in 7-10 business days.

 

Not sure if it was a HP or a SP< but no where on the page did it say it was checking credit. Others have reported that it is an account review, using a HP.


Congrats on a awesome CLI :smileyhappy: WTG

Old user name newportguy*** Current Score: myFico EQ - 813 (01/14/2015) Discover TU Fico - 809 (02/04/2015) EX Fico - 809 ( 02/04/2015 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 813 *** TU 809 *** EX 809 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Senior Contributor
Posts: 10,014
Registered: ‎09-24-2013
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Re: US Bank Cash + CLI

congrats


Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: US Bank Cash + CLI

Very nice increase! Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
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Valued Contributor
Posts: 1,591
Registered: ‎03-11-2009
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Re: US Bank Cash + CLI


emptypockets wrote:

I had a message on my account (On account page, just under Account summary, etc.) It says"your account may be eligible for a credit limit increase, please click here offer ends 4/15/2014".  I clicked the link, and it took me to a place to enter my income.  I did that and received the following response:

 

Congratulations. Subject to final credit processing, your credit line will increase by $4,500.00, raising your total credit line to $16,000.00 for this account.

Please allow 2-3 business days for final processing, after which time any new credit line will be available.

You will also receive written confirmation via U.S. Mail in 7-10 business days.

 

Not sure if it was a HP or a SP< but no where on the page did it say it was checking credit. Others have reported that it is an account review, using a HP.


I got the same mssage last week but I applied by phone.  The CSR told me that they do not pull your CR but do an account review only.  So congrats on your nice CLI.

FICOS
TU 794 2/21/15
EX 806 2/8/15
EQ 820 2/21/15
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
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Re: US Bank Cash + CLI


yudeology101 wrote:

So....have you accepted the offer? LOL  If so, congrats on your CLI!  I have a feeling that it would be a SP since the offer came from them.  But, keep us updated on the HP/SP results  mucho congrats on your CLI! 


Yes, i accepted the offer. It does not tell you how much the offer is until you fill in the box with your income. After you do that and click continue, it tells you the amount, and the info about processing time, etc.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
0

Re: US Bank Cash + CLI


coldnmn wrote:

That's a strange way of giving a CLI. I guess I will have to pay more attention logging in. Thanks for the heads up and Congrats!


I didn't see it right away either.After you log in to the main account page, and your accounts are showing, click on the works Cash+ to go to that account. When the account summary comes up, the message is blue writing in a white box, right uder your balance, minimum payment, etc.

 

I normally don't even look at that, I just go to make the payment for the amount showing on the initial screen that's why I didn't notice it at first.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Valued Contributor
Posts: 1,554
Registered: ‎11-14-2013
0

Re: US Bank Cash + CLI


emptypockets wrote:

I had a message on my account (On account page, just under Account summary, etc.) It says"your account may be eligible for a credit limit increase, please click here offer ends 4/15/2014".  I clicked the link, and it took me to a place to enter my income.  I did that and received the following response:

 

Congratulations. Subject to final credit processing, your credit line will increase by $4,500.00, raising your total credit line to $16,000.00 for this account.

Please allow 2-3 business days for final processing, after which time any new credit line will be available.

You will also receive written confirmation via U.S. Mail in 7-10 business days.

 

Not sure if it was a HP or a SP< but no where on the page did it say it was checking credit. Others have reported that it is an account review, using a HP.


Congrats! Never heard of US bank giving in this way either. 

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$5K

EQ-659 TU-676 EX-705 (as of 8-15-14)

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