topic Re: CLIs from US Bank in Credit Card Applications

CLIs from US Bank

Anonymous — Mon, 10 Aug 2020 03:35:15 GMT

Is it always HP language?

Re: CLIs from US Bank

JR_TX — Mon, 10 Aug 2020 03:42:43 GMT

Not just language in my case. They always wanna HP me! Good thing I left my EQ inadvertently locked last time I tried and got denied because of it!

Re: CLIs from US Bank

ccquest — Mon, 10 Aug 2020 13:01:18 GMT

Seems like it. There was reportedly a small period where they had language that indicated hard or soft pull, but that was replaced by hard pull only language again. I think I'm going to just sit with $5k limit on the Altitude Go for awhile and work on the other cards with whatever soft pulls I can get instead. Won't ever need more than that for the food/bar spend that I have.

Re: CLIs from US Bank

Anonymous — Mon, 10 Aug 2020 15:35:50 GMT

Only tried once and took the HP for a $1500 increase.

Re: CLIs from US Bank

M_Smart007 — Mon, 10 Aug 2020 16:24:52 GMT

I tried last night, hit with The TU alert (tried to pull bureau)

All (3) CB's are locked.

Re: CLIs from US Bank

PullingMeSoftly — Mon, 10 Aug 2020 16:26:11 GMT

I applied for a CLI on my Cash+ at the beginning of July and received a SP $4k bump. Don't remember what the language said at the time of the application.

(As a bonus aside, i applied for a Fidelity card CLI on the same day and got an instant HP, thanks Elan! So even though Elan are USB, they operate independently)

Re: CLIs from US Bank

M_Smart007 — Mon, 10 Aug 2020 16:33:39 GMT

@PullingMeSoftly wrote:
I applied for a CLI on my Cash+ at the beginning of July and received a SP $4k bump. Don't remember what the language said at the time of the application.
(As a bonus aside, i applied for a Fidelity card CLI on the same day and got an instant HP, thanks Elan! So even though Elan are USB, they operate independently)

That is definitely not playing fair .. to try to HP you when your name is @PullingMeSoftly !

I have an Elan card, I give up on a SP CLI. Just don't think it's gonna happen.

Re: CLIs from US Bank

icednightpaper — Mon, 10 Aug 2020 16:45:57 GMT

There was a period a few months ago that some folk got SP CLI despite ambiguous language. I was one of them, and while grateful, I don’t think it will happen again any time soon given everything.

Re: CLIs from US Bank

JustBPatient — Mon, 10 Aug 2020 17:03:38 GMT

Received 4k bump on both Cash+ cards last month, hardpull language but no pull.

Re: CLIs from US Bank

Anonymous — Mon, 10 Aug 2020 19:04:38 GMT

Just tried it(frozen CRs) with HP language aaaand got the "wait for letter" oh well.

Re: CLIs from US Bank

M_Smart007 — Mon, 10 Aug 2020 19:07:36 GMT

@JustBPatient wrote:
Received 4k bump on both Cash+ cards last month, hardpull language but no pull.

@JustBPatient, Congratulations on your "SP" CLI's

Re: CLIs from US Bank

M_Smart007 — Mon, 10 Aug 2020 19:08:19 GMT

@Anonymous wrote:
Just tried it(frozen CRs) with HP language aaaand got the "wait for letter" oh well.

Welcome to my world

Re: CLIs from US Bank

ccquest — Mon, 10 Aug 2020 19:21:46 GMT

@M_Smart007 wrote:
@Anonymous wrote:
Just tried it(frozen CRs) with HP language aaaand got the "wait for letter" oh well.
Welcome to my world

How often do frozen CRs result in denials for SP increases? I know it *shouldn't*, but does it ever? I'm not going to be looking for anything new for at least a year, but might go for some CLIs.

Also, do they ever try again if the report is frozen or do they just decline and move on?

Thanks

Re: CLIs from US Bank

Anonymous — Mon, 10 Aug 2020 19:42:15 GMT

The letter says to unfreeze and have 30 days to do it. If no action no harm no foul.

Re: CLIs from US Bank

bourgogne — Tue, 11 Aug 2020 04:59:46 GMT

I just did a cli to a cash + for a friend a week ago and there was no hp. $10k -> $15K done via the portal. not much spend through it, income $160K, account is ~2.5 years old. the previous cli in 1/2019 was a hp.

Re: CLIs from US Bank

Anonymous — Fri, 02 Oct 2020 18:10:32 GMT

@ccquest wrote:
Seems like it. There was reportedly a small period where they had language that indicated hard or soft pull, but that was replaced by hard pull only language again. I think I'm going to just sit with $5k limit on the Altitude Go for awhile and work on the other cards with whatever soft pulls I can get instead. Won't ever need more than that for the food/bar spend that I have.

This week, I was at 180+ days and 6 statements, so I requested a CLI via online and was denied. There was only HP language. All 3 bureaus are locked. I received a TU alert. I will probably just leave it be for now.

Re: CLIs from US Bank

addicted_to_credit — Sat, 03 Oct 2020 00:41:35 GMT

IME, yes but I've gotten SP CLI's every 6 or 7 months. Every time I got a HP it was a denial....

Re: CLIs from US Bank

learningtheropesofcredit — Fri, 23 Oct 2020 18:11:32 GMT

I just did a credit limit increase request with U.S. Bank for my platinum Visa and was instantly notified (by American Express) that a hard pull attempt hit TransUnion (but my credit was frozen).

Background: I got my U.S. Bank Platinum card on Feb 20, 2020 (8 mos) with a $9,900 starting limit. I immediately transfered over $9k for the 18 month zero APR on balance transfers (a week or so later they went 20 months and I was unable to recon to 20 months, though I tried). Anyhow, my balance was $9270 after the 3% transfer fee (high utilization, I know). In the 8 months I've paid it down to $3267 (33% utilization) and will have it to $2700 by the end of November (27% utilization).

Today, at 33% utilization and 8 months, I attempted, reading on here that some people had good luck after six months for a soft pull. I entered my income and my monthly house payments, and if I owned or rented my house, and submitted it. It told me underwriting would look it over and get back to me. I then checked my email and American Express notified me that there was activity on my credit report, which I saw was the hard pull.

I assume I'll be denied the credit limit increase due to my credit being frozen, but at least I attempted it and my credit was frozen. I just wanted to get an increase to be under 30% utilization now, as I want to app for another AmEx card and a Chase card. Oh well. I'll just wait. No harm, no foul, but I thought y'all would like to know this info on this thread.

Re: CLIs from US Bank

ccquest — Fri, 23 Oct 2020 18:24:10 GMT

Appreciate the info! Got me curious on what I'll see. Definitely won't be unlocking my reports for any CLIs though.

Re: CLIs from US Bank

Anonymous — Wed, 18 Nov 2020 10:21:05 GMT

My Cash+ request had hp language (consent to pull credit required), however I received an instant $5k SP CLI. It's a roll of the dice.