US Bank adds CLI requests via app and online?

[wambeezy]

I've been low key lurking the forum and reading this thread. 

I finally pulled the trigger and got approved. My last CLI was in 08/2019. My scores were probably between 675-690's across all 3 bureaus. I'm currently in the 705-710 range. I closed my eyes when I hit the submit button 😁.  Thank you ladies and gents! 

[AllZero]

^ Congratulations on your CLI!

[wambeezy]

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@AllZero wrote:

^ Congratulations on your CLI!

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Thank you! 

[Remedios]

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@Anonymous wrote:

It's been a little over three months since the soft-pull CLI. I checked just now and it has verbiage: "By submitting a credit limit increase request, you authorize us to obtain a copy of your credit bureau report which may affect your score."

I canceled out of it, not wanting an inquiry right now. I'll try again in 3 months to see if that language changes.

Anybody else try after 3 months? What's your results?

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I did. I got $5000.00 increase 3 months after the SP one, but this time I ended up with HP. 

[Anonymous]

Mine finally showed back up after erroring for 3 months whenever I tried to go to the cli pag . Have the credit report language. 

[EverForward]

Congrats on your US Bank CLI!

[ChefCurry]

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@ChefCurry wrote:

I just used the mobile app to request for CLIs for two different cards. I got them both around the same time (approx 7 months ago); a Cash+ and a Platinum. I've been banking U.S. Bank for approximately 2 years now. I do a good amount of spending on these cards and hardly ever PIF, just $200-$300 payments here and there. I just made $300 payments a few days ago on each card.

For the CLI request form, they just ask for income, assets (optional), and housing expenses. They DON'T ask you how much you want to increase. Then just hit the submit button. Results

Cash+: Original CL $11,500 ($1,400 balance) -> approved for $4000 increase

Platinum: original CL $9,500 ($2,100 balance) -> approved for $3000 increase

The approval was pretty quick. So quick, I don't think there could've been a hard pull in that short period of time. The approvals were almost instant. I have not received any HP notifications from anywhere. The CLIs haven't been adjusted yet in the system, but they said I would receive letters in the mail confirming the approvals. So I'm assuming I should see the adjustments to my CLs soon.

My scores

EX - 722

EQ - 728

TU - 742

UPDATE: The CLIs just appeared! (10 mins later)

UPDATE 2: 6 days later and still no HP.

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I just want to update my status with these two cards. So I decided to hit the luv button again (7 months later) on both cards and they instantly gave me $4,000 more on each card. So now I'm at $16,500 on the Platinum and $19,500 on the Cash+. Again, there was no HP. I'm stoked as this increase will bring my total UTIL under 9%. I was actually pretty surprised that they approved me. I have barely used these cards at all and have kept just a slightly lower balance throughout the last 6 months, paying down just 100 bucks a month. I think the fact that I bank with them, has an impact on their decision-making process. I'm hoping 6 months down the line they will give me another 4k, giving me my first 20k+ card!

Data:

Ex: 766

Tu: 767

Eq: 745

No new inquiries since the last CLI

No new accounts since the last CLI

Still banking with U.S. bank, paying all my bills through my checking

[addicted_to_credit]

The pattern I've noticed is if you have an instant approval for the CLI it isn't a HP (solely my experience) if you get the we're reviewing your request or what ever it's been a HP and a denial (again solely my experience). Waiting at least 6 months between approved CLI requests seems to be the sweet spot for me.

I opened my Cash+ 7/2019 and have had 2 approved CLI's one about 6-7 months ago and today, 13, Sept. 2020 both 5k each time. Current CL is now 24k. We normally only use it on household bills and that ranges from 2-3k usually....some times I'll throw a tank of gas on it if my company fuel card isn't accepted or maybe some groceries every couple of months. I don't think I've done anything stellar to get such a CL but I'll take it other than pay in full every month which I'm sure they like.

[Anonymous]

The CLI button is just sitting there waiting on my Fred Meyer Rewards card, but nothin for my BIZ card which what I actually want a CLI on! lol

[ccquest]

Link has been sitting on my sidebar, but new account so not going through with it anytime soon. Does start with a page asking about income and assets then "continue to housing".

Seems all over the place, but is there any idea of a timeline for when it might be a SP increase vs HP? Is the language actually changing anymore?