topic Re: US Bank AR: CLI to $85k in Credit Card Approvals

US Bank AR: CLI to $85k

imaximous — Thu, 10 Feb 2022 22:35:24 GMT

Last night, I got tempted by @simplynoir 's post for DW that I decided to ask for a CLI myself right after. Unfortunately, I didn't get an immediate response and they hit me with TU pull. Unlike so many others here, I never seem to get lucky with SP CLIs.

My request got forwarded to underwriting for review. From past experience, that takes a couple of days or more sometimes, but I logged in late this morning and noticed that my available credit had gone up considerably.

CL went from $60k to $85k. That's a long way from my initial limit of $5k that took a double recon. I barely got in a few years ago.

Last time I requested a CLI was about 1 yr ago.

TU score 802.

7 Inqs

Spend on this card is pretty heavy, so the increase was definitely appreciated and needed.

This is my favorite card for many reasons and is also the most used. I've basically turned it into a business card. It's a workhorse and never have any hiccups regardless of how much I charge on it. I've gone way beyond its limit plenty of times and not once has USB bothered me.

Re: US Bank AR: CLI to $85k

Red1Blue — Thu, 10 Feb 2022 19:23:03 GMT

Congratulations

Re: US Bank AR: CLI to $85k

CreditAggie — Thu, 10 Feb 2022 19:24:18 GMT

Congratulations on your US Bank CLI!

Re: US Bank AR: CLI to $85k

Reviewers — Thu, 10 Feb 2022 19:38:58 GMT

Congratulations on your US Bank CLI to $85k!

Re: US Bank AR: CLI to $85k

Elpadrino1 — Thu, 10 Feb 2022 20:43:48 GMT

Congratulations on your CLI!!

Re: US Bank AR: CLI to $85k

CreditMagic7 — Thu, 10 Feb 2022 20:52:35 GMT

MASSIVE NEW LIMIT! Congratulations on your sparkling new US Bank CLI!

Re: US Bank AR: CLI to $85k

gdale6 — Thu, 10 Feb 2022 20:56:48 GMT

I would say a 25K move up is worth thr HP, grats on getting it

Re: US Bank AR: CLI to $85k

cashorcharge — Thu, 10 Feb 2022 21:29:28 GMT

That's terrific and certainly worth the HP!! Congratulations on your USBank CLI Approval!! 🎉🥂👏

Re: US Bank AR: CLI to $85k

M_Smart007 — Thu, 10 Feb 2022 21:34:45 GMT

Congrats on the very nice US Bank CLI

Re: US Bank AR: CLI to $85k

imaximous — Thu, 10 Feb 2022 22:03:26 GMT

Thanks all!

Definitely can't complain about the HP. I have a pretty good collection of HPs by USB, so kinda used to it, lol.

Re: US Bank AR: CLI to $85k

Jordan23ww — Thu, 10 Feb 2022 22:07:43 GMT

Congratulations on your limit increase! That's awesome!

Re: US Bank AR: CLI to $85k

Titans84 — Thu, 10 Feb 2022 23:01:57 GMT

Congrats on your US Bank Altitude Reserve CLI!

Re: US Bank AR: CLI to $85k

simplynoir — Thu, 10 Feb 2022 23:36:07 GMT

Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!

Re: US Bank AR: CLI to $85k

PullingMeSoftly — Thu, 10 Feb 2022 23:38:45 GMT

Dayum! That's an awesome increase, congrats on that massive CL

Re: US Bank AR: CLI to $85k

simplynoir — Thu, 10 Feb 2022 23:39:57 GMT

@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!

@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know

Re: US Bank AR: CLI to $85k

imaximous — Fri, 11 Feb 2022 00:02:25 GMT

@simplynoir wrote:
@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!
@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know

Honestly, I don't know how soon is too soon. This last time, I didn't call. I thought I'd get lucky like your DW by trying online, but it didn't work, haha.

I was prepared to give them a call some time today, but the increase was already there before I got a chance to, and I also thought $25k was quite a bit, so I didn't think I should poke them again.

In your case, I think your last increase was several months ago, and if you're cycling your limit, they should be able to see that. Are you asking for youself or DW's account? She just got $30k, so I'm not sure how much more they'll offer.

Re: US Bank AR: CLI to $85k

simplynoir — Fri, 11 Feb 2022 00:12:41 GMT

@imaximous wrote:
@simplynoir wrote:
@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!
@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know
Honestly, I don't know how soon is too soon. This last time, I didn't call. I thought I'd get lucky like your DW by trying online, but it didn't work, haha.

I was prepared to give them a call some time today, but the increase was already there before I got a chance to, and I also thought $25k was quite a bit, so I didn't think I should poke them again.

In your case, I think your last increase was several months ago, and if you're cycling your limit, they should be able to see that. Are you asking for youself or DW's account? She just got $30k, so I'm not sure how much more they'll offer.

She asked since she was curious; DW's limit is fine and like you said she just asked. My AR it's solely for business spend so it is seeing a lot of action. I'm fairly confident I'll see an increase when I ask but in case I want to push the envelop a little myself I was wondering how soon is too soon as well now as well

Tbh as long as they don't make a fuss with the cycling it's fine I would just like not to make as many payments to free up the card

Re: US Bank AR: CLI to $85k

imaximous — Fri, 11 Feb 2022 00:30:30 GMT

@simplynoir wrote:
@imaximous wrote:
@simplynoir wrote:
@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!
@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know
Honestly, I don't know how soon is too soon. This last time, I didn't call. I thought I'd get lucky like your DW by trying online, but it didn't work, haha.

I was prepared to give them a call some time today, but the increase was already there before I got a chance to, and I also thought $25k was quite a bit, so I didn't think I should poke them again.

In your case, I think your last increase was several months ago, and if you're cycling your limit, they should be able to see that. Are you asking for youself or DW's account? She just got $30k, so I'm not sure how much more they'll offer.
She asked since she was curious; DW's limit is fine and like you said she just asked. My AR it's solely for business spend so it is seeing a lot of action. I'm fairly confident I'll see an increase when I ask but in case I want to push the envelop a little myself I was wondering how soon is too soon as well now as well

Tbh as long as they don't make a fuss with the cycling it's fine I would just like not to make as many payments to free up the card

Yeah, I do think that $30k is a lot to be asking again, but hey, I don't work for USB so no idea unless you really try.

As far as cycling, they haven't said anything to me *knock on wood*, but then, there's cycling once or twice a month, as opposed to cycling like 10x plus (I only do that with the Walmart card because of my crappy limit). I had a conversation with a supervisor just once when I started using the card more heavily for business and told her exactly what I was doing. She said biz spend was fine and not to worry.

Re: US Bank AR: CLI to $85k

simplynoir — Fri, 11 Feb 2022 00:48:18 GMT

@imaximous wrote:
@simplynoir wrote:
@imaximous wrote:
@simplynoir wrote:
@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!
@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know
Honestly, I don't know how soon is too soon. This last time, I didn't call. I thought I'd get lucky like your DW by trying online, but it didn't work, haha.

I was prepared to give them a call some time today, but the increase was already there before I got a chance to, and I also thought $25k was quite a bit, so I didn't think I should poke them again.

In your case, I think your last increase was several months ago, and if you're cycling your limit, they should be able to see that. Are you asking for youself or DW's account? She just got $30k, so I'm not sure how much more they'll offer.
She asked since she was curious; DW's limit is fine and like you said she just asked. My AR it's solely for business spend so it is seeing a lot of action. I'm fairly confident I'll see an increase when I ask but in case I want to push the envelop a little myself I was wondering how soon is too soon as well now as well

Tbh as long as they don't make a fuss with the cycling it's fine I would just like not to make as many payments to free up the card
Yeah, I do think that $30k is a lot to be asking again, but hey, I don't work for USB so no idea unless you really try.

As far as cycling, they haven't said anything to me *knock on wood*, but then, there's cycling once or twice a month, as opposed to cycling like 10x plus (I only do that with the Walmart card because of my crappy limit). I had a conversation with a supervisor just once when I started using the card more heavily for business and told her exactly what I was doing. She said biz spend was fine and not to worry.

In my case they actually called and asked me about the spend. I told them what I was doing and haven't heard a peep since then from Socks. Them and BofA actually called to get an explaination of the spending since I cycle the PR as well; pretty sure they just didn't want to have any MS behavior and everything is legit. Sigh, if there's one thing I can credit AMEX for is they let us charge whatever we wanted with the Biz Plat back when it was our workhorse

Re: US Bank AR: CLI to $85k

imaximous — Fri, 11 Feb 2022 00:58:45 GMT

@simplynoir wrote:
@imaximous wrote:
@simplynoir wrote:
@imaximous wrote:
@simplynoir wrote:
@simplynoir wrote:
Hey, congrats @imaximous on the awesome increase there! Making me wondering what I'll get when I ask for one whenever that is. For now I'm content with the DW's increase since Socks doesn't mind the cycling my card is getting right now

I'll save asking when the itch really catches up to me lol. Again, congrats!
@imaximous, question actually since I'm here. What's the word on asking them again so soon after a CLI approval? Do you talk to underwriting or have to wait a bit before asking again? It's fine if you don't have the answer I'll look it up myself later but figure I ask in case you do know
Honestly, I don't know how soon is too soon. This last time, I didn't call. I thought I'd get lucky like your DW by trying online, but it didn't work, haha.

I was prepared to give them a call some time today, but the increase was already there before I got a chance to, and I also thought $25k was quite a bit, so I didn't think I should poke them again.

In your case, I think your last increase was several months ago, and if you're cycling your limit, they should be able to see that. Are you asking for youself or DW's account? She just got $30k, so I'm not sure how much more they'll offer.
She asked since she was curious; DW's limit is fine and like you said she just asked. My AR it's solely for business spend so it is seeing a lot of action. I'm fairly confident I'll see an increase when I ask but in case I want to push the envelop a little myself I was wondering how soon is too soon as well now as well

Tbh as long as they don't make a fuss with the cycling it's fine I would just like not to make as many payments to free up the card
Yeah, I do think that $30k is a lot to be asking again, but hey, I don't work for USB so no idea unless you really try.

As far as cycling, they haven't said anything to me *knock on wood*, but then, there's cycling once or twice a month, as opposed to cycling like 10x plus (I only do that with the Walmart card because of my crappy limit). I had a conversation with a supervisor just once when I started using the card more heavily for business and told her exactly what I was doing. She said biz spend was fine and not to worry.
In my case they actually called and asked me about the spend. I told them what I was doing and haven't heard a peep since then from Socks. Them and BofA actually called to get an explaination of the spending since I cycle the PR as well; pretty sure they just didn't want to have any MS behavior and everything is legit. Sigh, if there's one thing I can credit AMEX for is they let us charge whatever we wanted with the Biz Plat back when it was our workhorse

I didn't get a call like you, but the reason I ended up on the phone with that lady supervisor is that they were holding my available credit for about a week after making and clearing a payment. That was annoying because I couldn't use the card. This was in the very beginning when I was making large payments. USB supervisor and I had to get on the phone with the bank to confirm the payment had already cleared and she released the limit hold. Then, the conversation switched to the heavy charges, and I explained just that one time. Never again.

Amex may be great and all for many, but I don't have any use for millions of MRs every year. I happily take the cashback at 3x anytime, though