topic Re: U.S. Bank (USBA) Cash+ CLI in Credit Card Approvals

U.S. Bank (USBA) Cash+ CLI

TheFIGuy — Tue, 15 Feb 2022 09:34:15 GMT

US Bank Credit Limit DP's:

Recently did a PC from Altitude Go to the Cash + (This is just referenced information and has no bearing on the request timeline)
The card had a $6,500k original starting limit 1+ year ago
Unfroze TU
Submitted CLI via USBA online portal (website) on 02/09/22
HP notification on TU 02/09/22
CLI requires UW review 02/09/22
$5k CLI granted 02/14/22 (thought it was a decline it took so long, wish I would have gotten more...)

I'll now refreeze my TU report and set a calendar alert for six months. Maybe now, after HPing me, they will grant me an SP request from now on...

Additional Point: The UW team can see all your US Bank and Elan financial accounts in one portal. So if you do something nasty with Elan, expect US Bank to know and vis versa! I called and spoke with UW on 02/09/22 after going into UW review. I didn't know my account number (card is used strictly for subscriptions 5% cashback WOOT), so they used my SSN, and BOOM was naming off my Fidelity account and two other US bank accounts to determine which one had the CLI.

Nope, one HP does not count for all accounts! Each account has its own HP per request Luckily FIDO gave me a $23k starting limit. So I'll hold off on that HP until I get bored one day and have low TU inquires!

Re: U.S. Bank (USBA) Cash+ CLI

Red1Blue — Tue, 15 Feb 2022 12:34:30 GMT

Hi @TheFIGuy Congrats for your U.S. Bank Cash+ CLI

Re: U.S. Bank (USBA) Cash+ CLI

M_Smart007 — Tue, 15 Feb 2022 14:17:14 GMT

Congrats on your Cash+ CLI.

Don't hold your breath on the future CLI's not being HP

I have had three "SP" CLI's, last time they tried to pull TU for CLI .. but no success as it was locked.

Alert Date

Alert Type

Requester Name

02/07/2022

Pull Attempt While Locked

US BANK

Re: U.S. Bank (USBA) Cash+ CLI

CreditAggie — Tue, 15 Feb 2022 15:40:21 GMT

Congratulations on your Cash+ CLI!

Re: U.S. Bank (USBA) Cash+ CLI

gdale6 — Tue, 15 Feb 2022 16:04:07 GMT

Grats on the 5K increase, I figured they would be able to see all accounts even the ones with Elan, thanks for the confirmation

Re: U.S. Bank (USBA) Cash+ CLI

cashorcharge — Tue, 15 Feb 2022 17:03:51 GMT

That's terrific!! Congratulations on your USBank Approval!! 🎉🥂👏

Re: U.S. Bank (USBA) Cash+ CLI

CreditMagic7 — Tue, 15 Feb 2022 17:51:37 GMT

Congratulations on your US Bank Cash+ CLI!

Re: U.S. Bank (USBA) Cash+ CLI

Elpadrino1 — Tue, 15 Feb 2022 18:10:01 GMT

congratulations on your CLI!!

Re: U.S. Bank (USBA) Cash+ CLI

SouthernCredit — Thu, 17 Feb 2022 19:29:02 GMT

Congrats - 77% increase is nothing to sneeze at!