How would a recent US Bank CLI affect an application?

[1LostArk]

I plan on applying for an Altitude Reserve in July, at which time I will be 3/24, 2/12, 0/6 new accounts and 3/12 inquiries. I currently have a Cash+ card and a checking account with US Bank. I think my approval odds are decent, but I'm wondering whether it would be bad to request a CLI on my Cash+ prior to applying. My Cash+ is still at its starting limit, and I'd rather have a higher limit on the Altitude Reserve if I'm approved. Anyone know if requesting a CLI would affect my Altitude Reserve approval odds or starting limit? Thanks!

[MJ-san]

I'm kind of a reverse from you, so here's a datapoint

Cash+ approved 13 months ago, SP CLI at 6 months 9k to 14k (yay!)

Altitude Go approved last month for $20k (was not instant, had to send mortgage statement and DL).

Tried for a SP CLI on the Cash+ at the 13 month mark, got an alert from TU that USB tried accessing my frozen CR, immediately got the "sending to our underwriters for review" and a follow-up letter a week later because I have my TU frozen. 

I'm guessing they look at the total relationship so maybe space out CLIs and new cards out past 6 months combined between accounts.

[youngandcreditwrthy]

@1LostArk  this is tricky. I think this is a situation that will depend on your DTI, current total available credit.

it's a situation where maybe more is less. Ive seen denials before where the bank will state something like "recent increase in credit on separate account" or something stupid.

that said if your DTI is low, and you don't have much outstanding cc debt, you should be fine, but I also get weary of the same thing because it can happen.

that said, Amex let me get a 20k CLI on BCE and a new 5K SL on an Amex Delta Gold a few years ago all within the same month so I guess it depends. 

good luck !

PS: also it might depend on their recon department and if they allow you open an account with reallocating credit (if it has to be that way maybe?)