topic Re: What's your Cash+ limit, and how did you get there? in Credit Cards

What's your Cash+ limit, and how did you get there?

Blodreina — Sun, 01 Jul 2018 17:19:24 GMT

What's your Cash+ limit, and how did you get there? For example, is your current limit your starting limit? SP increase? Auto increase?

Re: What's your Cash+ limit, and how did you get there?

galahad15 — Sun, 01 Jul 2018 17:28:12 GMT

@Blodreina wrote:
What's your Cash+ limit, and how did you get there? For example, is your current limit your starting limit? SP increase? Auto increase?

My total combined Cash+ limit between 2 cards is $28k. The path I took to get the current CL is that when I apped for my first Cash+ card and even though I had 800+ scores, US Bank only approved me initially for a SL of $500. About a year later, I received a mail-based, pre-approved invite for another Cash+ card, which I applied for...this time around, US Bank approved me for a SL of $22k. Over time, US Bank increased my CL of my first Cash+ card to $2k (no HP), and then to 4k (with HP). The second Cash+ received a CLI to $24k (no HP)

Re: What's your Cash+ limit, and how did you get there?

K-in-Boston — Sun, 01 Jul 2018 17:29:18 GMT

Apped in October, card arrived with a shockingly low $500 starting line. Spoke to underwriting and it was at $15,000 the next day.

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Sun, 01 Jul 2018 17:36:09 GMT

I got a card starting at $14K I think, and then a joint one at $15K, and they both got an auto $4-5K CLI after a few years. But, like the Freedom, no real need for a high CL on this card, max "good" rewards are on $2k spend a quarter......

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Sun, 01 Jul 2018 18:07:38 GMT

Started at 6k 4 years ago. Now at 18k all through periodic auto-increases.

Re: What's your Cash+ limit, and how did you get there?

Kforce — Sun, 01 Jul 2018 18:39:17 GMT

@Anonymous wrote:
I got a card starting at $14K I think, and then a joint one at $15K, and they both got an auto $4-5K CLI after a few years. But, like the Freedom, no real need for a high CL on this card, max "good" rewards are on $2k spend a quarter......

+1, It has a cap on the 5% for 2,000 per quarter, <700 per month. Not a card requiring a high CL.

Had 845 Ficos, excellent credit file, good income and received a starting CL of 5000. Three years later it is now 15,000. All were offers from US-Bank with no asking or prodding from my end. Average spend is just below the cap per quarter.

Re: What's your Cash+ limit, and how did you get there?

Schwartzinator — Sun, 01 Jul 2018 20:30:21 GMT

Started at $300, recieved an auto increase to $550, requested an increase to $1500 and then another to $5000. It’s been sitting there for about a year and a half now.

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Sun, 01 Jul 2018 20:33:51 GMT

I only need 7000.00; I didn't request for much.

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Sun, 01 Jul 2018 21:10:20 GMT

Approved for 10k with an 825 score.
Called in asked for 20k countered with 15k

About 8 months old, Just applied and approved for cash rewards world elite business mc for 17k

Re: What's your Cash+ limit, and how did you get there?

UncleB — Mon, 02 Jul 2018 11:57:18 GMT

I got my Cash+ back in December. Due to all the reports of people with higher incomes and scores getting $500 credit lines I was expecting the same, but I 'lucked out' and was assigned $7500.

I'm making payments of $200-$300 each month to cover new charges, but I'm also carrying a small balance (~$600) due to the 0% promo so I don't know if I'll get an auto-CLI anytime soon or not. In any case I'm pleased with the current limit and won't be taking a HP to get more.

Re: What's your Cash+ limit, and how did you get there?

GeorgiaBulldog — Mon, 02 Jul 2018 17:59:32 GMT

Started at a whopping $300 despite me having at least three $10k+ lines at the time. SP CLI requested up to $1800. Might try another $1500 increase with the old CLI request form soon.

Re: What's your Cash+ limit, and how did you get there?

imaximous — Mon, 02 Jul 2018 18:17:52 GMT

Starting and current limit of $5k. Got the card about 4 months ago, and requested a CLI to $10k upon approval.
CLI was denied due to too many new accounts and inquiries. Sufficient credit, etc.
I kinda knew the CLI would be denied because I was approved for the card after second review to begin with.

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Mon, 02 Jul 2018 19:04:27 GMT

My 3 rd statement is getting ready to cut and my sl was 5000 and that’s where it sits. Didn’t want to jinx the sl and ask for cli at time of approval

Re: What's your Cash+ limit, and how did you get there?

Appleman — Mon, 02 Jul 2018 23:40:08 GMT

US Bank initially had my car loan. I opened a checking account with them.

Applied for their AMEX flex card and approved for $5k.

After 6 months plus received a $2,500 increase to $7,500.

I was given an offer for a LOC and received $8,000. Finally, 2 years after paying on the auto loan I applied for the Cash+ card and received a SL of $10,000. One of my favorite cards with 5% for utilities and cell phone bills.

It does seem once you are in, they are willing to approve products.

Re: What's your Cash+ limit, and how did you get there?

Anonymous — Tue, 03 Jul 2018 13:39:45 GMT

I've had my Cash+ card for about 15 months now. When my credit score was in the low 600's. I shockingly got a $5500 limit right off the bat. Heck, I was shocked to even get the preapproval.

I haven't tried to get an increase. Mostly because I was scared the $5500 was a mistake and they would figure it out - Ha. For almost a year the credit limit line was blank. I also had a secured card with them for 3+ years and it still wasn't graduating. I just finally got it gradutated and an increase of $1500 CL. Adding to me worry that they made a mistake.

My score is now in the high 600's (a few points from 700). I might try for an increase in the fall after a few baddies and inquires fall off and my new Discover has some history posting.

Re: What's your Cash+ limit, and how did you get there?

Peteyglad — Tue, 03 Jul 2018 19:52:45 GMT

Mine started out at 8.5k several years ago .I have since been invited to try a SP CLI twice, roughly 18 months apart .Each time was a 5k increase to my current limit of 18.5k .if all holds true I should expect another invite in a couple months .