Re: how to make the leap from $500 CL to higher
10-08-2012 10:09 PM
Once it has been 6 months since you have done anything with US Bank, as in no new accounts or CLI's. You can apply for the card you want, either the cash+ or the Flexperks signature. If they decline, call them and get in touch with the underwriting department. They may even push the app through without any problems, but if they tell you the same thing they told me. Which was essentially, we have given you too much credit already you are cut off. I told them, I am willing to lower the limits on my current cards and swap the limit to get this new card. That worked for me, and it might work for you as well.
$17k $8.5K Closed $19k $6.5k $24.2k Closed $5k Closed $8.5k Closed @2.49%