topic Re: USBank CLI SP $5K in Credit Card Approvals

USBank $5K SP CLI

Anonymous — Fri, 15 Nov 2019 03:24:59 GMT

I was able to get my Cash+ from 20K to 25K with a short phone call. It was instantly approved and was asked if I wanted more (HP) but I declined. I was fully expecting either a HP and being declined or a SP and getting 1.5K CLI. Wasn't expecting that. Earlier tonight I also called in and got my Business Cash card increased from 3K to 6K with a SP so i was feeling hopeful.

Before and After:

UsBank Before.PNGUsBank After.PNG

I have had this card for about a year (no auto CLI unfortunately). My personal checking is also with USBank. Guessing they use TU Fico as that's what they always pulled for me for personal and I'm 752. UTI is at 3%. As a reference point, they pulled Experian when I first opened the Business credit card.

Re: USBank CLI SP $5K

AllZero — Fri, 15 Nov 2019 03:24:49 GMT

Congratulations on your CLI!

Re: USBank $5K SP CLI

seattlecredit08 — Fri, 15 Nov 2019 04:04:29 GMT

@Anonymous wrote:
I was able to get my Cash+ from 20K to 25K with a short phone call. It was instantly approved and was asked if I wanted more (HP) but I declined. I was fully expecting either a HP and being declined or a SP and getting 1.5K CLI. Wasn't expecting that.

First, BIG Contgrats on CLI!!

Question-- so this was a normal call to US Bank Customer Support? And did you ask specifically for a 5K increase? Did they indicate that it will be an SP before performing a review?

The reason I am asking is that all other recent reports suggest that CLI with US Bank is always an HP (even for $1500, which used to be an SP) so I am trying to understand if there was anything different here that resulted in an SP.

Thanks!!

Re: USBank $5K SP CLI

M_Smart007 — Fri, 15 Nov 2019 04:31:03 GMT

Congrats, you pulled a rabbit out of the hat!

Re: USBank $5K SP CLI

Anonymous — Fri, 15 Nov 2019 08:55:18 GMT

@Eltech amazing ... few reports of US Bank CLIs without an HP and for $5,000! Amazing!!!

Re: USBank $5K SP CLI

Drwaz99 — Fri, 15 Nov 2019 11:13:43 GMT

Awesome! Congrats!

Re: USBank $5K SP CLI

Anonymous — Fri, 15 Nov 2019 12:34:47 GMT

@seattlecredit08 wrote:
@Anonymous wrote:
I was able to get my Cash+ from 20K to 25K with a short phone call. It was instantly approved and was asked if I wanted more (HP) but I declined. I was fully expecting either a HP and being declined or a SP and getting 1.5K CLI. Wasn't expecting that.
First, BIG Contgrats on CLI!!

Question-- so this was a normal call to US Bank Customer Support? And did you ask specifically for a 5K increase? Did they indicate that it will be an SP before performing a review?

The reason I am asking is that all other recent reports suggest that CLI with US Bank is always an HP (even for $1500, which used to be an SP) so I am trying to understand if there was anything different here that resulted in an SP.

Thanks!!

Thank you all! Both calls were to regular customer service number on back of the cards. I was not able to ask for a specific amount. The brief disclosures they had to read to me informed me they may need to pull my credit report. They don't know that ahead of time. The first lady on the business side made me feel like I won the lotto. She was like, Wow, I've never seen that before, Congrats. That was for the 3K CLI. The guy on the personal side for my Cash+ didn't seemed phased by it.

Re: USBank $5K SP CLI

AverageJoesCredit — Fri, 15 Nov 2019 16:44:17 GMT

Very nice @Anonymous

Re: USBank $5K SP CLI

nuohlac — Fri, 15 Nov 2019 23:40:48 GMT

Congratulations on your CLI!!!

Re: USBank $5K SP CLI

Meanmchine — Sat, 16 Nov 2019 02:27:23 GMT

Congrats !

Re: USBank $5K SP CLI

Anonymous — Sat, 16 Nov 2019 07:31:50 GMT

Congrats on your US Bank increase!

Re: USBank $5K SP CLI

Anonymous — Sat, 16 Nov 2019 07:54:08 GMT

Congrats!! after reading this thread i figured id call and give it a shot, and low and behold they bumped me up from $15,000 to $20,000!!! with no pull either, they did ask me if i wanted to ask for more it would require a hard pull but i turned that down lol

Re: USBank $5K SP CLI

Anonymous — Sat, 16 Nov 2019 12:30:04 GMT

Congratulations!