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Based on encouraging posts from @Techwiz45 I decided to apply a couple weeks back.
1. I wasn't sure if I would get approved, as despite a well established relationship with USBank on the personal side, I had 5 HI's on TU all dated 10-15-25 and thought this would be way too much for such a conservative bank and debated waiting until November to be 0/12.
2. USBank asked me to log in to my personal side before applying. Then it presented me with a pre-filled application - and had already pre-filled the business income with a very specific number - down to the dollar! It then 'clicked' in my brain that this is the exact same $ that D&B keeps reporting in the free reports that I get (the ones that say they "can't generate a Paydex score because I don't have 3 Tradelines", lmao - no, I'm not opening a tradeline with Quill, Staples and some industrial supply house, etc.). So be prepared, USB is cross-checking D&B. This also implies they are possibly cross-checking your D&B's SBFE Scores and D&B's Delinquency Scores as well. If so, this is good for me as my 2 Amex Business cards + 1 BLOC only report to SBFE (as far as I know), and they all have great CL's and perfect payment histories over a few years.
Of course I submitted at midnight on a Friday and got the "wait" message. By Monday I was approved (for $10k) which is ~1/2 or 1/3 of my other business CLs but considering I should have waited until November to get a larger limit, I am nonetheless happy.
A Non-Amazon 1% CB rate + No 3% FT fee = Net 4% CB for overseas spending... ![]()
US Bank checking D&B data checks out since they are known to report business card activity to both Equifax Business and D&B. Still wouldn't surprise me if they look at SBFE data too. When I applied for mine I think there was a tradeline from Uline reporting to my business's D&B file, and I am not sure if my Blue Biz Cash was reporting to SBFE yet when I applied for Biz Prime. Still though $10k is a solid SL for the Biz Prime and honestly I wish I was given a higher SL than $3k, but with as much as I've been using the card I hope to get a decent limit bump after 6 months!
Congrats on approval!




Grats on the approval!
WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂
Hi @Techwiz45 , USBank has been pretty good to me for CLIs on the personal side, at least up to that $25k threshold. I am sure you will be successful in getting large increases in 6-12 months; they did HP me once when it was less than a year, so be prepared and maybe wait until 12 months ![]()
Thanks to everyone else; I rarely post my new approvals, but when 'More Science is Needed' for the community...