Caution with US Bank CLI's, not always SP's

PullingMeSoftly · ‎04-11-2023

A quick cautionary note for those requesting Socks CLI's. Even though you may have been getting SP increases at scheduled intervals, watch your overall exposure.

On both my GO and Cash+, I've done requests at 7-month intervals and have received SP 5k increases each time, until getting my GO to 25k. I was expecting my Cash+ to finish the final step of going 20 --> 25k, but I just got hit with an HP and pending review notice. I'm very careful with timing and have had my requests on calendar at exactly 7-months, so it's not a too soon thing.

I believe this has to do with my overall exposure with USB, which is currently at $95,000 (GO 25k, Connect 25k, Fidelity 25k, Cash+ 20k). Just a guess, and I don't know if I'll get approved, but the HP took me by surprise.

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet...our time was too short, RIP

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $27,800 │ 5% selectable rotator

Citi Custom Cash MC │ $15,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

Traveler101 · ‎04-11-2023

Thanks for the advice. I've been trying to get the elusive sp. I wasn't aware I needed 6 statements. My 7th is coming up soon when I will attempt it again. If it's any consolation, my exposure is only 5k. Smallest opened cl in years. I understand though, the 6th statement may have had a bearing on it. Time will tell. I've read also, the chance of a hp is not uncommon.

Aim_High · ‎04-11-2023

Congrats on your $95K TCL exposure with US Bank @PullingMeSoftly!
Thanks for those data points for the community.
It does sound like the HP might be related to TCL.

Business Cards

Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

CreditCuriosity · ‎04-12-2023

Have had my Us Bank Card for 9 months now I think always have my CRA's locked when not plan applying for anything tried a few times and always tries to HP my TU. Limit is 20k which is reasonable, but that is all I have across US Bank so I don't think the HP is in regards to total exposure personally. With that said only used card for sign-up bonus and thrown maybe 400 on the card since then.

Lou-natic · ‎04-12-2023

@CreditCuriosity wrote:
Have had my Us Bank Card for 9 months now I think always have my CRA's locked when not plan applying for anything tried a few times and always tries to HP my TU. Limit is 20k which is reasonable, but that is all I have across US Bank so I don't think the HP is in regards to total exposure personally. With that said only used card for sign-up bonus and thrown maybe 400 on the card since then.

I agree that keeping credit reports locked is a good idea and only unlock them if you know you're planning to apply for something and only for the length of time needed to apply. It's just bonus that when you request CLIs from lenders that if you're not eligible for a SP increase you don't also get dinged with an unexpected HP. I'd rather get a "we're sorry" message than a HP I didn't plan for.

8/8/25

Meanmchine · ‎04-12-2023

My Cash+ card is 18 months old. Ive never gotten a SP CLI despite runing about $1k a month thru it

Just tried again

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

M_Smart007 · ‎04-12-2023

@Meanmchine wrote:
My Cash+ card is 18 months old. Ive never gotten a SP CLI despite runing about $1k a month thru it

Just tried again

@Meanmchine, I have plenty of those ^^^^^

My TU is no longer littered with US Bank HP's

Traveler101 · ‎04-12-2023

@Meanmchine wrote:
My Cash+ card is 18 months old. Ive never gotten a SP CLI despite runing about $1k a month thru it

Just tried again

Thanks for that data point. That's insane. The spend, your scores, go figure. Wonder if they have a wheel they spin...hp..sp...and see where it lands. Kidding of course. But the hp and sp can be so unpredictable with them.

Beefy1212 · ‎04-12-2023

@M_Smart007 wrote:
@Meanmchine wrote:
My Cash+ card is 18 months old. Ive never gotten a SP CLI despite runing about $1k a month thru it

Just tried again
@Meanmchine, I have plenty of those ^^^^^
My TU is no longer littered with US Bank HP's

Anonymous · ‎04-14-2023

@Meanmchine wrote:
My Cash+ card is 18 months old. Ive never gotten a SP CLI despite runing about $1k a month thru it

Just tried again

I use to have US Bank Cash + and same thing. For 2 whole years- no soft pulls. I had eventually unlocked my TU and got a 8k cli so kind of worth it.