topic Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs in Credit Card Approvals

US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 06:46:15 GMT

Both my Altitude Go and Max Cash Preferred turned 1 year old last month. I tried CLIs for both at 7 months, but was denied due to a 'DTI' reason that didn't really make sense at the time. Both of those attempts were SP and the SLs for both were $24,000 each, so I wasn't too bummed about the denials. I decided that I would attempt again after each card hit 12 months. I actually forgot about until tonight. Clicked the luv button for the MCP first and instantly increased the limit by $1,000. Logged into US Bank and clicked the increase link and got the Altitudue Go to increase by $1,000 as well. Both limits are now @ $25,000. SP for both increases.

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

babygirl1256 — Wed, 08 Jun 2022 04:31:52 GMT

Congrats on your US Bank Altitude Go + Elan Max Cash Preferred CLIs.

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

CreditAggie — Wed, 08 Jun 2022 05:51:44 GMT

Congratulations on your CLIs!

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

CreditMagic7 — Wed, 08 Jun 2022 06:33:27 GMT

Congratulations on both your US Bank Altitude Go + Elan Max Cash Preferred CLI duo's!

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

TSlop — Wed, 08 Jun 2022 13:47:32 GMT

Congrats on your CLIs!

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Ficoproblems247 — Wed, 08 Jun 2022 14:07:55 GMT

Congrats, and nicely done! I'm rolling with the 7 month strategy on all 3 of my USB/Elan cards too. Slow and steady wins the race! Thanks for the DPs. It's nice to have more examples of SPs even with the initial denials. In fact, I can't think of anything recently where someone reported a HP from them for a CLI attempt.

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

NalekSok — Wed, 08 Jun 2022 14:19:29 GMT

Congratulations on your CLIs! 🎉

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

gdale6 — Wed, 08 Jun 2022 15:18:12 GMT

Sweet, great CLs on both!!

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:07:13 GMT

@babygirl1256 wrote:
Congrats on your US Bank Altitude Go + Elan Max Cash Preferred CLIs.

Thanks @babygirl1256

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:07:56 GMT

@CreditAggie wrote:
Congratulations on your CLIs!

Thanks @CreditAggie

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:08:30 GMT

@CreditMagic7 wrote:
Congratulations on both your US Bank Altitude Go + Elan Max Cash Preferred CLI duo's!

Thanks @CreditMagic7

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:09:00 GMT

@TSlop wrote:
Congrats on your CLIs!

Thanks @TSlop

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:14:52 GMT

@Ficoproblems247 wrote:
Congrats, and nicely done! I'm rolling with the 7 month strategy on all 3 of my USB/Elan cards too. Slow and steady wins the race! Thanks for the DPs. It's nice to have more examples of SPs even with the initial denials. In fact, I can't think of anything recently where someone reported a HP from them for a CLI attempt.

Thanks @Ficoproblems247

I think there have been a few HP CLIs reported in the last few months, but I also notice most have been SP. I'm pretty sure that $25k will likely be the max per card for me before a HP will be required. Will be attempting a SP request on my small CL Cash+ on July 1st. My theory is that CLs under $5k see a 2x increase and most CL that are at $5k or more see a $5k increase up to $25k. I'm assuming that small line of $2.6k will increase to $5.2k.

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:15:27 GMT

@NalekSok wrote:
Congratulations on your CLIs! 🎉

Thanks @NalekSok

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 17:15:57 GMT

@gdale6 wrote:
Sweet, great CLs on both!!

Thanks @gdale6

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

MySunrise271 — Wed, 08 Jun 2022 17:27:47 GMT

Congratulations on your dual CLIs🎉🎉🎉

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 18:44:59 GMT

@MySunrise271 wrote:
Congratulations on your dual CLIs🎉🎉🎉

Thanks @MySunrise271

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Janneman — Wed, 08 Jun 2022 21:23:20 GMT

i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Titans84 — Wed, 08 Jun 2022 23:12:15 GMT

@Janneman wrote:
i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?

There are cases where a CLI requires and underwriter and is still approved. You said you requested a CLI in October, was that approved? When did you get approved for the card? Was it at least 7 months from your approval to the 1st CLI request?

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Janneman — Thu, 09 Jun 2022 00:24:25 GMT

@Titans84 wrote:
@Janneman wrote:
i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?
There are cases where a CLI requires and underwriter and is still approved. You said you requested a CLI in October, was that approved? When did you get approved for the card? Was it at least 7 months from your approval to the 1st CLI request?

my last cli was 8 months ago... which got approved tor $4k... I was approved for this card last year in january..