topic Re: USB CLI reconsideration 500 to 9500 in Credit Card Approvals

USB CLI reconsideration 500 to 9500

Beefy1212 — Sun, 23 Apr 2023 18:58:18 GMT

original post here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/USB-CLI-approved-500-1k-My-struggles-with-USB-continue/m-p/6667736#M854888

So about 2 weeks back I asked for a cli on my punny 500 dollar Alt Go, they gave me another 500 dollars as a hard pull to boot. I told the CSR that was unacceptable and I wanted at least 5k. My average monthly spend was already 110% of my limit.

she told me she would refer it to the underwriters, well no one ever emailed me or contacted me and I figured she didn't actually do it was just trying to get me off the line.

Well I went to review my accounts today and when I logged into my USB account I saw they had sent it for review and my 500 dollar cli was increased to a 9500 cli a 1800% increase with a new limit of 10,000 and no new hard pull!

Goes to show sometimes you do in fact win the recon line lotto!

Re: USB CLI reconsideration 500 to 9500

fury1995 — Sun, 23 Apr 2023 20:26:20 GMT

Hey nice job reconning and insisting on your part. Way to hold out.

Re: USB CLI reconsideration 500 to 9500

NoMoreDebt — Sun, 23 Apr 2023 21:00:54 GMT

congrats on the recon

Re: USB CLI reconsideration 500 to 9500

cashorcharge — Sun, 23 Apr 2023 21:55:56 GMT

Congratulations on your USB Approval!!🥂

Re: USB CLI reconsideration 500 to 9500

CreditMagic7 — Sun, 23 Apr 2023 22:37:07 GMT

Yours is perhaps the best show of persistence with a US Bank recon attempt that i seen on here in a long time. Which after the effort pulled a huge success out of the jaws of failure, and a toy limit.

Congratulations on your new increase with a more doable Credit Line!

Re: USB CLI reconsideration 500 to 9500

Traveler101 — Sun, 23 Apr 2023 23:01:27 GMT

Impressive with usb. Congratulations 🎊

Re: USB CLI reconsideration 500 to 9500

nuohlac — Sun, 23 Apr 2023 23:25:09 GMT

Congratulations on your well deserved CLI!!!

Re: USB CLI reconsideration 500 to 9500

firefox100 — Sun, 23 Apr 2023 23:31:53 GMT

Congrats on very nice recon and you must have sent lot love to US bank again enjoy it have fun.

Re: USB CLI reconsideration 500 to 9500

JoeRockhead — Mon, 24 Apr 2023 01:19:08 GMT

Very nice, well done, congratulations!

Re: USB CLI reconsideration 500 to 9500

CreditAggie — Mon, 24 Apr 2023 02:10:07 GMT

Congratulations on your US Bank recon CLI!

Re: USB CLI reconsideration 500 to 9500

alextercero — Mon, 24 Apr 2023 03:23:30 GMT

Congrats

Re: USB CLI reconsideration 500 to 9500

SouthJamaica — Mon, 24 Apr 2023 14:35:26 GMT

@Beefy1212 wrote:
original post here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/USB-CLI-approved-500-1k-My-struggles-with-USB-continue/m-p/6667736#M854888

So about 2 weeks back I asked for a cli on my punny 500 dollar Alt Go, they gave me another 500 dollars as a hard pull to boot. I told the CSR that was unacceptable and I wanted at least 5k. My average monthly spend was already 110% of my limit.

she told me she would refer it to the underwriters, well no one ever emailed me or contacted me and I figured she didn't actually do it was just trying to get me off the line.

Well I went to review my accounts today and when I logged into my USB account I saw they had sent it for review and my 500 dollar cli was increased to a 9500 cli a 1800% increase with a new limit of 10,000 and no new hard pull!

Goes to show sometimes you do in fact win the recon line lotto!

That is nice. Congratulations.

Re: USB CLI reconsideration 500 to 9500

coreyb80 — Mon, 24 Apr 2023 14:50:32 GMT

Nice work on the recon for the bump!

Re: USB CLI reconsideration 500 to 9500

TMDSCT — Mon, 24 Apr 2023 15:31:09 GMT

WOW! Congratulations on the CLI, that's quite a jump!

Re: USB CLI reconsideration 500 to 9500

M_Smart007 — Mon, 24 Apr 2023 15:42:11 GMT

Congrats on your Recon!

Re: USB CLI reconsideration 500 to 9500

Beefy1212 — Mon, 24 Apr 2023 18:51:03 GMT

@CreditMagic7 wrote:
Yours is perhaps the best show of persistence with a US Bank recon attempt that i seen on here in a long time. Which after the effort pulled a huge success out of the jaws of failure, and a toy limit.
Congratulations on your new increase with a more doable Credit Line!

Thanks! I think the underwriters looked at my profile, my spend and realized I never should have had a 500 dollar limit to begin with.

Re: USB CLI reconsideration 500 to 9500

Jordan23ww — Mon, 24 Apr 2023 20:05:24 GMT

That is so awesome! Congratulations on your awesome limit increase and successful reconsideration! I just recently went through a reconsideration with US Bank on a Shopper Rewards card application. I went from a flat out denial to an approval with a $15,000 limit by asking for a reconsideration. So glad that both you and me not taking their first decision as the final decision paid off for us! Congrats again! Thank you for sharing your experience with us!

Re: USB CLI reconsideration 500 to 9500

FireMedic1 — Mon, 24 Apr 2023 22:43:03 GMT

Congrats! Stay at it and it always works out. Nice Massive CLI!

Re: USB CLI reconsideration 500 to 9500

Mones — Tue, 25 Apr 2023 14:48:01 GMT

Congrats on the huge CLI for being persistent!