Data point: US Bank CLI No HP

Anonymous · ‎08-08-2016

Glad to say that I got a $1k cli from us bank without a pull. Yay!

This is contrary to what I've heard other people say about all CLI being HP. Looks like under $1500 might still be true?

(Checked all reports to verify)

kdm31091 · ‎08-08-2016

It's very YMMV. Some people request under 1500 and still get a hard pull. Others get none. Don't know what it's based on, but glad it worked for you.

With US Bank it's best to anticipate a HP for every CLI and count yourself lucky if it doesn't happen.

takeshi74 · ‎08-08-2016

@Anonymous wrote:
This is contrary to what I've heard other people say about all CLI being HP.

That's what YMMV means. One person incurring an HP doesn't mean that no one will. You can't determine trends based on a single data point.

Anonymous · ‎08-08-2016

Hate that they don't keep things consistent!

CreditMagic7 · ‎08-08-2016

@Anonymous wrote:
Glad to say that I got a $1k cli from us bank without a pull. Yay!

This is contrary to what I've heard other people say about all CLI being HP. Looks like under $1500 might still be true?

(Checked all reports to verify)

You short changed yourself by $500.

I followed those guidelines and inserted only the $1.5K and they approved the CLI at that exact amount (SP Only)

Anonymous · ‎08-08-2016

@kdm31091 wrote:
It's very YMMV. Some people request under 1500 and still get a hard pull. Others get none. Don't know what it's based on, but glad it worked for you.

With US Bank it's best to anticipate a HP for every CLI and count yourself lucky if it doesn't happen.

Ahh, I got the feeling that it wasn't a YMMY and it was a strict HP from the posts I've read.

Thanks for the info.

Anonymous · ‎08-08-2016

@CreditMagic7 wrote:
@Anonymous wrote:
Glad to say that I got a $1k cli from us bank without a pull. Yay!

This is contrary to what I've heard other people say about all CLI being HP. Looks like under $1500 might still be true?

(Checked all reports to verify)
You short changed yourself by $500.
I followed those guidelines and inserted only the $1.5K and they approved the CLI at that exact amount (SP Only)

Darn! Haha I will choose that option next time...six more months?

Anonymous · ‎08-08-2016

@Anonymous wrote:
Hate that they don't keep things consistent!

Yes, the world of credit cards....almost everything is different... ugh

Anonymous · ‎08-08-2016

Grats! At least you arent stuck with $300 anymore! Thats what matters most!!!1

Anonymous · ‎08-08-2016

@Anonymous wrote:
Grats! At least you arent stuck with $300 anymore! Thats what matters most!!!1

Thanks! And yes indeed!!! Just happy I don't have an unusable card anymore.

Will be using this card as primary for fast food soon haha