US Bank Cash+ CLI denial..not surprised.

pizza1 · ‎07-29-2019

So, a few weeks ago I applied for a CLI on both my biz and personal CC's. I did it old school online, and only asked for the "$1500" on both apps. The biz cc was approved, you can read about it here....

https://ficoforums.myfico.com/t5/Business-Credit/US-Bank-Biz-Visa-5K-SP-CLI/m-p/5675566

Got the letter today for the denial on the Cash+ card, citing BK, too many Inq in last 12 months, loan balances too high etc...(the usuals). They stated FICO 09 760 from a SP on 6/26/19 (account review). Im not too upset since my SL was $5K, so I'll just continue to use the card as I have, and try again in 6 months. I'm not willing to take a HP at this point (Ive been gardening for 5 month now).

Just wanted to share my update, and also TU loves me, LOL..

Remedios · ‎07-29-2019

Boo on no CLI but you're rocking that Fico 9!

Did they do a HP?

pizza1 · ‎07-29-2019

@Remedios wrote:
Boo on no CLI but you're rocking that Fico 9!

Did they do a HP?

Yea..TU loves me for whatever reason., and my FICO 09's even EQ 09 are nice, 720-760. They did not do a HP (I was frozen, LOL), but they did SP me on 6/26 for an AR when my Cash+ turned a year old. I put decent spend thru it monthly...cell, elec, cable, and insurance...all 5% cash back.