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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.
Congrats.
I know this is an old post, but US Bank does mostly soft pulls for anything $1500 or less.
@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?
Yes for CLI's, as in the case of the OP.
That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?
@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.
@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?
It will be a HP, but you can ask for whatever you want.