CLIs from US Bank

[M_Smart007]

---

@JustBPatient wrote:

Received 4k bump on both Cash+ cards last month, hardpull language but no pull.

---

@JustBPatient, Congratulations on your "SP" CLI's

[M_Smart007]

---

@Anonymous wrote:

Just tried it(frozen CRs) with HP language aaaand got the "wait for letter" oh well.

---

Welcome to my world

[ccquest]

---

@M_Smart007 wrote:

---

@Anonymous wrote:

Just tried it(frozen CRs) with HP language aaaand got the "wait for letter" oh well.

---

Welcome to my world

---

How often do frozen CRs result in denials for SP increases? I know it *shouldn't*, but does it ever? I'm not going to be looking for anything new for at least a year, but might go for some CLIs.

Also, do they ever try again if the report is frozen or do they just decline and move on?

Thanks

[Anonymous]

The letter says to unfreeze and have 30 days to do it. If no action no harm no foul.

[bourgogne]

I just did a cli to a cash + for a friend a week ago and there was no hp.  $10k -> $15K done via the portal.  not much spend through it, income $160K, account is ~2.5 years old.  the previous cli in 1/2019 was a hp.

[Anonymous]

---

@ccquest wrote:
Seems like it. There was reportedly a small period where they had language that indicated hard or soft pull, but that was replaced by hard pull only language again. I think I'm going to just sit with $5k limit on the Altitude Go for awhile and work on the other cards with whatever soft pulls I can get instead. Won't ever need more than that for the food/bar spend that I have.

---

This week, I was at 180+ days and 6 statements, so I requested a CLI via online and was denied. There was only HP language. All 3 bureaus are locked. I received a TU alert. I will probably just leave it be for now.

[addicted_to_credit]

IME, yes but I've gotten SP CLI's every 6 or 7 months. Every time I got a HP it was a denial....

[learningtheropesofcredit]

I just did a credit limit increase request with U.S. Bank for my platinum Visa and was instantly notified (by American Express) that a hard pull attempt hit TransUnion (but my credit was frozen).

Background:  I got my U.S. Bank Platinum card on Feb 20, 2020 (8 mos) with a $9,900 starting limit.  I immediately transfered over $9k for the 18 month zero APR on balance transfers (a week or so later they went 20 months and I was unable to recon to 20 months, though I tried).  Anyhow, my balance was $9270 after the 3% transfer fee (high utilization, I know).  In the 8 months I've paid it down to $3267 (33% utilization) and will have it to $2700 by the end of November (27% utilization).  

Today, at 33% utilization and 8 months, I attempted, reading on here that some people had good luck after six months for a soft pull.  I entered my income and my monthly house payments, and if I owned or rented my house, and submitted it.  It told me underwriting would look it over and get back to me.  I then checked my email and American Express notified me that there was activity on my credit report, which I saw was the hard pull.

I assume I'll be denied the credit limit increase due to my credit being frozen, but at least I attempted it and my credit was frozen.  I just wanted to get an increase to be under 30% utilization now, as I want to app for another AmEx card and a Chase card.  Oh well.  I'll just wait.  No harm, no foul, but I thought y'all would like to know this info on this thread.

[ccquest]

Appreciate the info! Got me curious on what I'll see. Definitely won't be unlocking my reports for any CLIs though.

[Anonymous]

My Cash+ request had hp language (consent to pull credit required), however I received an instant $5k SP CLI.  It's a roll of the dice.