Max US Bank CLs/Exposure?

[SunriseEarth]

My last CLI attempt for my US Bank Cash+ was denied, indicating that I had reached a maximum exposure.   My Cash+ CL is $25K and my Altitute Go CL is $24.5K.  Reported income is $150K.   

I was curious what CLs other have with US Bank.   Some banks have a fairly well known exposure limit compared to income (i.e., BofA at 50% of income, AMEX strigency >40% of income, etc.) and other cards/CCCs have a dollar limit (i.e., IV usually needed over $25K for Macy's, Synchrony getting antsy ~$100K overall exposure, etc.).   I haven't really found this info on US Bank.  

[NaimeseOGK]

I know US Bank is known to be stingy. So I wouldn't be surprised honestly.

[IntegerIntrovert]

Your experience is consistant with mine.

[AverageJoesCredit]

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@NaimeseOGK wrote:

I know US Bank is known to be stingy. So I wouldn't be surprised honestly.

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Is 40-50k extended  in credit limits stingy? Just curious. 

[Remedios]

My current exposure with US Bank between three cards is $66K. 

Checking, savings, and investment account, plus personal loan. 

[Remedios]

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@SunriseEarth wrote:

My last CLI attempt for my US Bank Cash+ was denied, indicating that I had reached a maximum exposure.   My Cash+ CL is $25K and my Altitute Go CL is $24.5K.  Reported income is $150K.   

I was curious what CLs other have with US Bank.   Some banks have a fairly well known exposure limit compared to income (i.e., BofA at 50% of income, AMEX strigency >40% of income, etc.) and other cards/CCCs have a dollar limit (i.e., IV usually needed over $25K for Macy's, Synchrony getting antsy ~$100K overall exposure, etc.).   I haven't really found this info on US Bank.  

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I think you haven't found it because I don't think set percentage.

That type of denial usually resolves as time passes, especially if you've been getting regular increases.

There might be a ceiling, but it's snapshot in time (according to me). 

I got it once, and I've probably gotten $25K more since then. 

Income didn't change, but time passed, that was the only difference. 

[NaimeseOGK]

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@AverageJoesCredit wrote:

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@NaimeseOGK wrote:

I know US Bank is known to be stingy. So I wouldn't be surprised honestly.

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Is 40-50k extended  in credit limits stingy? Just curious. 

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Well I understand your experience with them is better. I will give them a few months and ask for a credit increase and see what they say for me.

[firefox100]

I have two credit cards with US bank they are Cash+ with a credit limit of 24.5K and the Altitude go Visa with a credit limit of 15K for total cl of 39.5K on income of 85K and a small checking account with balance of 300 dollars with them fico scores around 800. will be trying for credit increase on the both accounts next year.

[BigBS]

4 cards with them:

Altitude Go - $25K

Cash+ - $19K

Fidelity Cash Rewards - $25K

State Farm Rewards - $6K

$69K between the 3 primary US Bank cards. On all except the State Farm Rewards I have received CLIs when requested until my last request on the Cash+ (don't remember the reason why?). The State Farm card was part of the recent alliance with State Farm, so haven't had the opportunity to try. Will likely try again after the first of the year.

[SunriseEarth]

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@AverageJoesCredit wrote:

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Is 40-50k extended  in credit limits stingy? Just curious. 

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I wouldn't say so necessarily.   BOTW handing out a $3K CL, on the other hand...