topic Re: US Bank online CLI request a hard pull? in Credit Card Applications

US Bank online CLI request a hard pull?

fullstackdev — Thu, 04 Sep 2025 17:41:11 GMT

I'm considering requesting a credit limit increase on my US Bank Smaryly Visa. Is the online CLI request a hard pull or a soft pull? Thanks in advance.

Re: US Bank online CLI request a hard pull?

sccredit — Thu, 04 Sep 2025 18:23:36 GMT

Yes it is

Re: US Bank online CLI request a hard pull?

crystal626 — Thu, 04 Sep 2025 18:33:06 GMT

Sometimes they'll give you a CLI if you freeze your credit reports but other times they're going to send you a letter saying that you need to unlock to be considered.

Re: US Bank online CLI request a hard pull?

Beefy1212 — Thu, 04 Sep 2025 18:54:16 GMT

I have had it happen both ways or rather I froze it and they didn't ask, and still frozen asked again and they told me to unfreeze it.

The time I was not hard pulled was just after taking a near 100% BT offer.

Re: US Bank online CLI request a hard pull?

FicoMike0 — Thu, 04 Sep 2025 22:37:48 GMT

My experience has been, for a year, it was sp, they always turned me down due to a turd score. Two months back, they asked for a thaw, did a hp, and gave me $3000 on each of my cards with them.

Re: US Bank online CLI request a hard pull?

Wavester64 — Fri, 26 Sep 2025 16:37:09 GMT

@fullstackdev wrote:
I'm considering requesting a credit limit increase on my US Bank Smaryly Visa. Is the online CLI request a hard pull or a soft pull? Thanks in advance.

October '24, I tried for CLI on USB Cash+ online, it was a SP.

Re: US Bank online CLI request a hard pull?

fullstackdev — Fri, 26 Sep 2025 16:44:12 GMT

Thanks everyone. Due to a persistent issue on the transunion website, I'm unable to freeze my TU report. I'm going to hold off on submitting a CLI request because I don't want to risk a hard pull right now.

Re: US Bank online CLI request a hard pull?

Total_Synergy — Fri, 26 Sep 2025 19:16:32 GMT

I tried a CLI a couple days ago with bureaus frozen. Was asked to thaw TU and phone them after thawing (new cards with US Bank for me are always EQ). Yes, TU's credit freeze site is glitching for me as well! Phoned this morning; was told it could be SP or HP. I got a HP on TU and was told their underwriter needs 2-3 business days... It's been 13+ months since any new cards, but my prior TURD Score with them was 582. If they turn down the CLI they will give me my current TURD (TransUnion Rapid Default Model Version 1) Score as a consolation prize

Re: US Bank online CLI request a hard pull?

fullstackdev — Fri, 26 Sep 2025 18:52:18 GMT

Hope you get the result you're looking for!

Re: US Bank online CLI request a hard pull?

Total_Synergy — Fri, 26 Sep 2025 19:45:24 GMT

Thanks @fullstackdev . They just responded with a 50% increase for my 5-figure Cash+ card! It may be because of my heavy use, with $549 in cashback so far this year. Moderately happy with the result, but hated giving up a HP. As I was not declined, I am also not getting any updates to my older TURD Score

Re: US Bank online CLI request a hard pull?

fullstackdev — Fri, 26 Sep 2025 19:43:12 GMT

That's awesome, congrats on the increase! I want to be like you when I grow up.

Re: US Bank online CLI request a hard pull?

Total_Synergy — Fri, 26 Sep 2025 19:56:41 GMT

LMAO, no you don't want to really be like me when you grow up @fullstackdev, but thank you. Too many miles & heartaches - you deserve better!

But seriously:

1. I only shared here because of the chance to contribute back some current datapoints for USBank CLIs. I don't post my successes in Approvals.

2. All of my modern card strategy I learned in just the past few years right here at myFICO (as stated in my signature below). So you can be 'like me' in that sense; just keep on following these boards...

Re: US Bank online CLI request a hard pull?

LivingTheAmericanDream — Fri, 26 Sep 2025 20:48:43 GMT

Congrats on the CLI! US Bank just not working for me. Closed 2 accounts recently due to low SLs and CLIs - then today in the mail, 2 CC solicitations. No thanks US Bank.

Re: US Bank online CLI request a hard pull?

Total_Synergy — Fri, 26 Sep 2025 21:43:16 GMT

They sent me a solicitation with code as well. After all this Unfreeze/HP drama for a silly CLI after being in the garden 13 months, I suspect I am not yet on their internal score happy-list. Time will tell.

Side note: Besides BoA at 7 months, US Bank are the only big banks I know who offer true 12 month Business BT cards, with the 18 month CCB card through their Elan subsidiary: https://www.mycardapply.com/synindex/product?ecdma-lc=31466&ecid=OTHE_25940&offertype=121

Re: US Bank online CLI request a hard pull?

CYBERSAM — Sun, 28 Sep 2025 19:04:39 GMT

Past 3 CLIs from USBank for me was SP. That was in between 2 cards. My last CLS was from 20K to 25K so not that high limit, but I did put good amount of usage on them.

Re: US Bank online CLI request a hard pull?

Pppoolboy — Fri, 03 Oct 2025 20:32:12 GMT

> Due to a persistent issue on the transunion website, I'm unable to freeze my TU report.

You're not using a VPN are you? I was unable to access the TU site while using one.

Also, stupid US Bank did a hard pull when I increased my deposit on a silly secured credit card! I originally funded a secured Altitude Go card with $300 then decided to raise it to $1000 and they did a hard pull for that LOL