Credit Cards

[Peaches4524]

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. 

[vish1]

Congrats.

[Dustink]

I know this is an old post, but US Bank does mostly soft pulls for anything $1500 or less.

[HiLine]

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Dustink wrote:

I know this is an old post, but US Bank does mostly soft pulls for anything $1500 or less.

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For CLI requests you mean?

[Dustink]

Yes for CLI's, as in the case of the OP.

[tennisfan78]

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?

[Dustink]

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tennisfan78 wrote:

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?

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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.

[tennisfan78]

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Dustink wrote:

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tennisfan78 wrote:

That is good to know. How often can one request CLI with USBank, without a hard inq? 3-4 months or more?

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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.

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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?

[Dustink]

It will be a HP, but you can ask for whatever you want.

[flowfaster]

Dustin, so your saying if I request a $1500 cli online it will only be a soft pull?