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Can I Request CLI from US Bank @ Activation?

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Scuba
Frequent Contributor

Can I Request CLI from US Bank @ Activation?

Hi

 

I did a recon on my US Bank cc denial I received last month thru their backdoor and was approved for a Cash Regards card which I could not be happierSmiley Very Happy to be back in their good graces. 

 

The CL is pretty low as all recent cards are in the same range, no one wants to be first for a meaningful CL.  I can wait to earn a larger CL over time but if someone in the Forum thinks I can get a CLI at activation, I would try.

 

Has anyone had success from US Bank to get a CLI at card activation?  I will activate tomorrow (a weekday)  because I do not think I can get a CLI on the weekend.

 

Thanks

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JaseT
Established Contributor

Re: Can I Request CLI from US Bank @ Activation?

It can't hurt to ask (unless they pull another hard) but I'm not sure how likely it is as you had to recon to get approved in the first place. I think that instant approvals would have a higher success in obtaining a CLI @ activation.

 

You might want to consider a CU credit card to break out of those low limits.


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 2 of 4
score_building
Senior Contributor

Re: Can I Request CLI from US Bank @ Activation?

+1

 

IME USB generally requires at least 6 mos.

 

There is a risk of an additional pull >> denial, if requested prior to 6 mos. anniversary.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 3 of 4
vish1
Valued Contributor

Re: Can I Request CLI from US Bank @ Activation?

 


@Scuba wrote:

Hi

 

I did a recon on my US Bank cc denial I received last month thru their backdoor and was approved for a Cash Regards card which I could not be happierSmiley Very Happy to be back in their good graces. 

 

The CL is pretty low as all recent cards are in the same range, no one wants to be first for a meaningful CL.  I can wait to earn a larger CL over time but if someone in the Forum thinks I can get a CLI at activation, I would try.

 

Has anyone had success from US Bank to get a CLI at card activation?  I will activate tomorrow (a weekday)  because I do not think I can get a CLI on the weekend.

 

Thanks


 

USB has been known to be generous with its CLs (may be only with pre approvals). I got 8k on accepting their pre approval (my highest CL at that time was 2250.

 

What does your scores look like?

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
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