topic Re: US Bank CLI SP or HP in Credit Cards

US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 21:38:20 GMT

Is $1500 still the rule for a SP? Which bureau do they pull if it is soft pull? Thanks

Re: US Bank CLI SP or HP

NRB525 — Mon, 05 Jun 2017 21:41:58 GMT

How long have you had the card? If less than 1 year, just be patient and you should be due for an auto CLI. Wait a few months after that to see what else appears.

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 21:47:31 GMT

I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 22:33:53 GMT

I got two cards with them: one opened in December, one in March. So, no it not has been a year. I am hoping for a CLI on the one with 6 mo history.

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 22:39:12 GMT

@Anonymous wrote:
I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?

It would suck to request $1500 and get HP. Might as well could have requested $7500. So I understand why you didn't take the risk. It is a shame that CSR of a big bank like US Bank doesn't know the answer to this.

My current SL is $1500 with both of the cards I have with them. One is 6 mo old another one is 3 mo. I called and upgraded the one that is 6 mo old back in March (when it was 3 mo old).

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 22:56:14 GMT

@Anonymous wrote:
I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?

Do you know which report did they soft pull? Was it Equifax?

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 23:06:45 GMT

@Anonymous wrote:
@Anonymous wrote:
I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?
It would suck to request $1500 and get HP. Might as well could have requested $7500. So I understand why you didn't take the risk. It is a shame that CSR of a big bank like US Bank doesn't know the answer to this.

My current SL is $1500 with both of the cards I have with them. One is 6 mo old another one is 3 mo. I called and upgraded the one that is 6 mo old back in March (when it was 3 mo old).

I know, right? The card I requested it for was my oldest card too (11 yrs old!) and it STILL only had a $500 SL on it. considering I have nearly $100K in SL, I thought that was pretty silly. I also opened up a Cash+ with them last spring with a $7K SL. They auto CLI'd me to $10.5K a few months later. STILL no increase on my original card (which I had PC'd to a second Cash+). I really didn't want to waste a HP on that card since I really didn't need the extra SL anyways, so figured I would bring it to $1,500 just so a small purchase would hit that card's UTI so hard. Curious to see if I'll evenutally start getting CLI's on that card now...

I'm betting you'll start to see CLI's with them at about the 9 month mark, once your second card reaches the 6 mo mark, but that's just total speculation on my part.

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 23:09:05 GMT

@Anonymous wrote:
@Anonymous wrote:
I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?
Do you know which report did they soft pull? Was it Equifax?

They pulled from EX. I WISH they would start pulling from TU or EQ instead. ALL of my new cards have been pulled from EX.

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 23:14:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I've been told that all CLI requests under $1,499 will result in a SP and all CLI requests over $1,500 are HP's. I recently requested a $1,000 CLI (the US Bank site only allowed requests in $500 increments) which was only a SP. However, there are members out there that have requested CLI's at or above $1,500 and have not receieved HP's. I think it depends on how much you want to risk it. What's your current SL?
Do you know which report did they soft pull? Was it Equifax?

They pulled from EX. I WISH they would start pulling from TU or EQ instead. ALL of my new cards have been pulled from EX.

Which state are you in? I am sure they pull EQ here in MO.

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 23:22:38 GMT

Which state are you in? I am sure they pull EQ here in MO.

CO. I've applied for cards with Chase, AMEX and US Bank the past year and they've all pulled TU. I've got zero inquiries on TU, two on EQ from a refi and like 11 on EX lol (luckily 7 will drop off this year from my 2015 refi and vehicle purchase).

Re: US Bank CLI SP or HP

Anonymous — Mon, 05 Jun 2017 23:29:31 GMT

@Anonymous wrote:

Which state are you in? I am sure they pull EQ here in MO.
CO. I've applied for cards with Chase, AMEX and US Bank the past year and they've all pulled TU. I've got zero inquiries on TU, two on EQ from a refi and like 11 on EX lol (luckily 7 will drop off this year from my 2015 refi and vehicle purchase).

You have them stacked up on EX lol. CO, nice place, I need to visit those mountains

Re: US Bank CLI SP or HP

Themanwhocan — Mon, 05 Jun 2017 23:57:47 GMT

For what its worth, every US Bank credit card i applied for was a HP on EQ, and they were done in the bank. Every online CLI of $1500 has been SP (dont know which credit bureau), and every online CLI Requested greater than $1500 has been a HP on TU.

At least thats how it has worked out for me.

Re: US Bank CLI SP or HP

Anonymous — Tue, 06 Jun 2017 00:12:58 GMT

Thanks. Which state are you in?

Re: US Bank CLI SP or HP

Themanwhocan — Tue, 06 Jun 2017 00:30:40 GMT

@Anonymous wrote:
Thanks. Which state are you in?

Minnesota.

Re: US Bank CLI SP or HP

Viva-LV — Tue, 06 Jun 2017 02:16:02 GMT

@Themanwhocan wrote:
For what its worth, every US Bank credit card i applied for was a HP on EQ, and they were done in the bank. Every online CLI of $1500 has been SP (dont know which credit bureau), and every online CLI Requested greater than $1500 has been a HP on TU.

At least thats how it has worked out for me.

In Nevada, its been Experian for me. Auto-cli's or cli offers have been sp. Apped Alt Res card over the phone: hp. Apped for Premier LOC: hp, even though I was told they'd use the Alt Res pull. I'll be having a word with the branch mgr, when I get the results.

Re: US Bank CLI SP or HP

Anonymous — Tue, 06 Jun 2017 04:09:42 GMT

@Viva-LV wrote:
@Themanwhocan wrote:
For what its worth, every US Bank credit card i applied for was a HP on EQ, and they were done in the bank. Every online CLI of $1500 has been SP (dont know which credit bureau), and every online CLI Requested greater than $1500 has been a HP on TU.

At least thats how it has worked out for me.
In Nevada, its been Experian for me. Auto-cli's or cli offers have been sp. Apped Alt Res card over the phone: hp. Apped for Premier LOC: hp, even though I was told they'd use the Alt Res pull. I'll be having a word with the branch mgr, when I get the results.

Ouch...that must hurt to be told no pull then getting a hp

Re: US Bank CLI SP or HP

NRB525 — Tue, 06 Jun 2017 05:07:56 GMT

@Anonymous wrote:
I got two cards with them: one opened in December, one in March. So, no it not has been a year. I am hoping for a CLI on the one with 6 mo history.

If you use the cards regularly I'd let them run and see what auto CLI you get. Similar to other posters, all three of my US Bank cards got auto CLI at about 9 - 10 months.

They are quite accomodating to provide auto CLI to customers they have gotten some experience with.

Re: US Bank CLI SP or HP

Anonymous — Wed, 07 Jun 2017 22:57:51 GMT

Thank you