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US Bank CLI request

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Regular Contributor

US Bank CLI request

Does anyone have any experience with the form online? Is it possible to get an instant approval / denial or will it be the 10 day wait to find out?

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 791TU 797EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 1.2k
10 REPLIES 10
Valued Contributor

Re: US Bank CLI request

USB norm is 2-3 days.  You'll probably find out sooner by just logging into your account and checking.

500K+ TCL / 800+ FCOs
Message 2 of 11
Moderator

Re: US Bank CLI request

The majority of the time it'll be a wait-and-see. Very seldom are these requests instant.
Message 3 of 11
Established Member

Re: US Bank CLI request

Never instant. It's always manually reviewed at US Bank. I have a US bank platinum with a 300$ limit because it's my oldest revolver. I asked for a cli this year and was denied four days later despite having pretty good credit. The reason was I don't use the card enough. They also did HP EQ if that matters to you or not.
Message 4 of 11
Community Leader
Super Contributor

Re: US Bank CLI request


@Obscure-Expert wrote:

USB norm is 2-3 days.  You'll probably find out sooner by just logging into your account and checking.


This just happened to me recently. Found out when I logged in, then a few days later got the snail mail. 


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 5 of 11
Regular Contributor

Re: US Bank CLI request

Well I pulled the trigger no inq as of yet I’m sure it’s going to happen soon and I’ll update as soon as I know something either way.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 791TU 797EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 1.2k
Message 6 of 11
Established Member

Re: US Bank CLI request

I did a credit limit increase recently over the phone. Instant $5000 increase ($13500 to $18500) no hard inquiry on Equifax or Transunion. I don't know about Experian, but I doubt it got pulled. I must of gotten really lucky.

Message 7 of 11
Regular Contributor

Re: US Bank CLI request

I thought about calling as I’m more of an instant gratification kind of person but I figured it’d go into manual review anyway so I’ll know something if they pull any cb. I should really freeze them all so it’s just another process to prevent me from getting itchy fingers.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 791TU 797EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 1.2k
Message 8 of 11
Valued Contributor

Re: US Bank CLI request

800-947-1444

500K+ TCL / 800+ FCOs
Message 9 of 11
Regular Contributor

Re: US Bank CLI request

Gave them a call it was definitely a HP nothing instant so it’s the 3-9 year wait

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 791TU 797EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 1.2k
Message 10 of 11
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