topic Re: USBank keeps getting denied for SP CLIs in Credit Card Applications

USBank keeps getting denied for SP CLIs

TomWB — Sun, 09 Mar 2025 04:01:18 GMT

I've been tried to score a SP CLI for months on my AR. I called in for a HP CLI at the 6 months mark, which was approved, afterI got denied for the first SP CLI application in app. My second SP CLI denial was at the 1 year mark when I tried again in app, and got denied with the following reason, there has been a previous change to your credit limit within the last six months. My third denial was a month later with 2 reasons, too few joint accounts and too many recently opened backcard accounts. I was 2/12, 3/24. A month later, which is today, I tried again on the web, and got a message saying I have to unfreeze my profile to get a decision. Does anyone know is this website specific, and should I try again in app? Also is it okay to go for a SP CLI every month if I was denied?

Re: USBank keeps getting denied for SP CLIs

RootDet — Sun, 09 Mar 2025 15:30:20 GMT

I stopped getting SP CLI at $25k with USB. Since then, every time is an ask to unlock my credit report.

Re: USBank keeps getting denied for SP CLIs

TomWB — Sun, 09 Mar 2025 20:34:13 GMT

@RootDet wrote:
I stopped getting SP CLI at $25k with USB. Since then, every time is an ask to unlock my credit report.

I see, but my case is different though. I've applied for CLI 3 times now at 15K, and only the third time I was asked to unfreeze my report.

Re: USBank keeps getting denied for SP CLIs

FicoMike0 — Sun, 09 Mar 2025 20:45:11 GMT

they tell me I have a low turd score.

Re: USBank keeps getting denied for SP CLIs

TomWB — Sun, 09 Mar 2025 20:49:05 GMT

@FicoMike0 wrote:
they tell me I have a low turd score.

Yup. My turd score is around 560. Though it doesn't look like a denial this time when they ask me to unfreeze.

Re: USBank keeps getting denied for SP CLIs

Ravensfan899 — Wed, 12 Mar 2025 04:29:23 GMT

I've always been scared to request an increase on my Cash+. I don't know if it'd be a soft or hard pull

Re: USBank keeps getting denied for SP CLIs

TomWB — Sun, 16 Mar 2025 03:58:07 GMT

I checked the app yesterday, and there's a message saying that my CLI request was indeed denied because my transunion report is frozen. I'll get a letter with details in 7 to 10 days, and I should unfreeze my transunion report.

Re: USBank keeps getting denied for SP CLIs

RootDet — Thu, 20 Mar 2025 17:22:51 GMT

That is okay, i got a letter finally in from my last request due to "too many inquiries". The fun of it is i have only 4 on EXP, 1 x23 moths old, 2 x6 months old, 1 x3 months old. The letter also did not mention what cra they got the data from, any credit scores or etc. I had to call and ask what CRA (they always try to pull Experian for me).

Re: USBank keeps getting denied for SP CLIs

TrapLine — Thu, 20 Mar 2025 19:09:49 GMT

In reading around this Forum, I noticed comments related to US Banks attitude on credit inquiries (few is good - like one). Over the last many years US Bank has had a reputation on being conservative until they have what they consider a satisfactory performance record (titled a Customer Relationship Score) and then they are more open to new products and so on.

For myself, they have been good in all respects EXCEPT ... not once could I open any products. They made me go into a US Bank Branch 100% of the time. Further, they always gave me the we will let you know letter (generally two days).

Found this interesting as all my products were opened and verified onsite by a US Bank banker. GO figure. No I never did business with them in the long past and never burned them. As to other lenders, I also am clean.

So, what to say. Even today I got flagged on attempting to open a CD on line. Took a couple verifications first with the US Bank telephone bank verifiers (they would not accept an in the Branch Banker). After being a customer with a very clean record of more than ten years it is still no easy access? Money Laundering entered my mind ... but there was no new money just combining a redeemed CD and money from a US Bank Savings equaling old money for a new CD?

Oh, the verfication was interesting, they did the preliminary name, address, etc and then they pulled up a telephone number from my profile and sent a five digit code that I had to read back to the Telephone Banker who had to input it on their US Bank system computer. System would verify and allow the banker access to my full profile for working on my requested product(s) and questions. The verification number was unknown to the banker.

Almost felt like a criminal?

Wonder what is the game???

Re: USBank keeps getting denied for SP CLIs

FicoMike0 — Thu, 20 Mar 2025 18:55:56 GMT

I just tried again, turned down, turd 556. My tu fico8 is 796, quite a difference. I'm at $2000 on ac. I have both a personal and business checking with them. Also a shoppers visa with a $7000 credit limit, no cli on that one either.

Re: USBank keeps getting denied for SP CLIs

MudkipsRKooL — Sat, 22 Mar 2025 20:54:38 GMT

I'm at 17K and 18k respectfully with the cash+ and Alt. card. with 3-4 years on them now. Credit score high 760-780s, 7-8 history. Some usage 5-10 per month down to 0 a few months, but yea, they are very leinant for me. Let's see what happens near 20K. but I am just 5K away from say 50% credit extension to income ratio.

Re: USBank keeps getting denied for SP CLIs

Jeffster1 — Sun, 27 Jul 2025 03:19:32 GMT

@FicoMike0 wrote:
I just tried again, turned down, turd 556. My tu fico8 is 796, quite a difference. I'm at $2000 on ac. I have both a personal and business checking with them. Also a shoppers visa with a $7000 credit limit, no cli on that one either.

@FicoMike0 I'm not seeing the TURD score on my CLI decline letter. All I see is a FICO 10 score of 810.

Re: USBank keeps getting denied for SP CL

AndySoCal — Sun, 27 Jul 2025 21:05:57 GMT

@TrapLine I work for a financial institution there are certain transactions which require a one time pass code. With fraud at the very high level that it is the one time passcode is just a security step. US Bank believes as well as all other banks and credit unions that the customer should have and spend their money not the fraudster.

Personal experience, recently I was trying to apply for a credit card on line. I kept running into error. I called customer service they did the usual verification. I was transferred to underwriting and more questions and a one time pass code. I was approved for the card.

You family members trying to impersonate another family member. Sometimes it is benign and sometimes it is not. Sometimes it is a fraudster trying to impersonate the customer.

I when I was helping my mom when I was not on an account I would identify myself and my mom as their customer. The agent would follow the procedures for the security of the account.

Re: USBank keeps getting denied for SP CL

Jeffster1 — Tue, 29 Jul 2025 03:32:23 GMT

It seems like this TURD score that some posters report appearing on their USBank decline letters is not common to all USBank declines. It could be the TURD score is only shared by USBank when it is really low (higher possibility of default) and/or when it plays a significant role in the decline, as opposed to other reasons such as too many inquiries or new accounts.

Definitely seems to be customer-specific.