topic Fastrack to CLI in Credit Cards

Fastrack to CLI

yam1rts — Tue, 09 Sep 2025 08:56:54 GMT

What is your recommended approach to a fast CLI approval for a US Bank Altitude Connect

SL is $500, I'm considering credit cycling but I don't want to report heavy usage.

WHATS YOUR TAKE?

Scenario #1

Charge $150 before statement closes on the 15th, US bank reports balance to CB on the 30th. (reports 30% usage) then payoff balance and repeat.

Scenario #2

Charge $150 before statement closes on the 15th, Pay off statement balance, then US bank reports 0% usage to CB on the 30th. -REPEAT

Scenario #3

Charge $500(100%) payoff $500 before statement closes on the 15th, US bank reports 0% usage to CB on the 30th. -REPEAT

Scenario #4

Charge $500(100%) before statement closes on the 15th, Pay $350 and leave $150 balance for bank to reports 30% usage to CB on the 30th. Then payoff balance and repeat.

Re: Fastrack to CLI

FicoMike0 — Tue, 09 Sep 2025 00:01:21 GMT

Id keep reported util under 29%.

I don't know if usb responds to usage. I have connect and shoppers. I put high usage in each initially to meet the 4 month spend for the sub, $500 for connect and $300 for shoppers. Then, less. At 6 months I requested a cli from the app for each. SP. Denied, due to low turd score. Rinse and repeat several times to beyond a year. Finally I tried again, this time, they wanted a hp, I thawed and agreed, got +$3,000 on each, one hp.

It looks like they quit this turd score experiment. The previous cl didn't seem to matter, I got $2,000 to $5000 and $7000 to $10000. Btw, my tu fico8 was about 800, while my turd score was high 500's, big difference! My highest cl with any card was $27,000.

So, spend didn't seem to matter. My experience indicates, wait 6 months, you'll probably get +$3000.

Maybe with a lot of spend they'd go higher. Let us all know how it works for you, please.

Re: Fastrack to CLI

yam1rts — Tue, 09 Sep 2025 16:53:23 GMT

@FicoMike0 Thank you for your input, I sure will let you know the outcome.