US Bank CLI's over 25K?

[PullingMeSoftly]

Coming up on my next scheduled CLI request for my Alt. GO, but am not quite sure about whether things will GO as planned (see what I did there?)

When i received my last increase on this card (Oct 2021), which I posted about here, I think I may have hit a ceiling for my profile, since I only received a 2k increase, vs. the 4k and 5k increases I had received before that. I also received a 5k bump on my Cash+ in February (posted here), but that card is only at $15k at the moment. All of these have been SP's to this point.

Before I take a spin, does anyone know if SP's continue past $25k? Does the smaller cli I received in October bode ill for my chances if I spin again? Any sage advice would be most appreciated! (Also, no changes to income, same <1% UTI, better DTI since my student loan was discharged in November)

History of my Alt. GO to date:

SL: $14,000 (Dec/2019)

CLI 1: +$4k --> $18,000 (July/2020)

CLI 2: +$5k --> $23,000 (Mar/2021)

CLI 3: +$2k --> $25,000 (Oct/2021)

[FinStar]

For a variety of profiles, SP CLIs can still occur >$25K. Mine did. But, then again, that UW policy is not set in stone for every profile since my CLI outcomes have been a mixed bag. So, in your case, YEMV.

[PullingMeSoftly]

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@FinStar wrote:

For a variety of profiles, SP CLIs can still occur >$25K. Mine did. But, then again, that UW policy is not set in stone for every profile since my CLI outcomes have been a mixed bag. So, in your case, YEMV.

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Thanks for that feedback @FinStar, were any of your SP cli's (beyond the 25k mark) the usual 4-5k-ish increases?

[FinStar]

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@PullingMeSoftly wrote:

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@FinStar wrote:

For a variety of profiles, SP CLIs can still occur >$25K. Mine did. But, then again, that UW policy is not set in stone for every profile since my CLI outcomes have been a mixed bag. So, in your case, YEMV.

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Thanks for that feedback @FinStar, were any of your SP cli's (beyond the 25k mark) the usual 4-5k-ish increases?

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Yes, including those for USB business cards. Unfortunately, there is no rhyme or reason when they can HP (i.e. CL threshold, profile or account type, frequency, etc). The way I look at it, if you want a CLI, then be prepared for any outcome (HP or SP) with USB. And, while I realize some folks hold their HPs as precious stones, in the grand scheme of things it's part of being in the USB (or any lender's) sandbox.

[Duke_Nukem]

My DW asked for a CLI on her USB Cash+ a few weeks ago, and it resulted in a HP.  She normally got a SP in the past, but her CRA's have been frozen the past few attempts, and she received a notification of an attempted HP each attempt.  We unfroze her CRA's recently, and we were willing to let a HP occur if they tried... and they did.

Her Cash+ went from $20k to $25k with the HP after a few days in UW.  Wish it had been more since a HP occurred, but it is plenty (for now.... )!

I've had my USB Go for about 14 months.  I've attempted a CLI twice, both times my CRA's were frozen and they tried a HP both times.  A couple of days ago, I was finally willing to take a HP if they attempted so I rolled the dice after thawing my CRA's and they did indeed HP.  Still in UW (I hope... otherwise it was a denial).

In summary, they are HP happy for my DW and myself lately so I don't know if that is the new norm for them or just for our profiles.  Good luck on whatever your decision is!