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Today, I noticed that there's a link to request a CLI when logging into my USB account online. They also updated the iOS app and added that feature. I went through the motions of requesting a CLI out of pure curiosity and stopped at the end. I didn't want another HP since I've added a few for other apps recently.
I also checked the Android app and link is not there yet.
Now, who wants to go first and post results/experiences?
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12/27 Update and info from USB UW dept.:
If you request a CLI online/app or with Customer Service over the phone, you'll receive (or not) an increase based on what your credit profile qualifies for. Basically, you can't request an amount for consideration.
However, if you call the underwriting department directly, they can do 2 things for you. They can add a note to your application with a desired credit line or you can request a specific amount. If you go with the latter, it's all or nothing. They will not counter. So, if you ask for too much, you'll simply get denied without an extra penny.
If you ask them to put in a note with a CL for consideration, the underwriter reviewing your file will see it, but will counter if you went with an amount higher than they're willing to offer you.
In my case, I obviously chose to simply add a note with a desired limit of $50k on my AR (from $25k). I didn't get the full amount. I was bumped up to $40k a few hours later. And yes, it was a HP on EX. I was hoping they'd pull TU or EQ because EX has 11 INQs. EX has been taking a beating lately, but satisfied with the result.
The only way I'm going to get money out of them is by waiting 25 years
The CLI link in the desktop looks the same as ever (which used to make me giggle, because it was a secured card).
I never looked for it in the app previously, but I see they're VERY INSISTENT that I'm eligible for a Gold checking account.
It's adorable that they let me know I spent $7 extra this month.
@Remedios wrote:The only way I'm going to get money out of them is by waiting 25 years
I'm in no position to ask for more right now. I got a $25k CLI on my AR early this year, but it took 3 attempts and 2 HPs to get there. Got shot down the first 2 tries.
Then my Cash+ is my lowest limit card at $5k, but I have no reason to go higher with a $2k per quarter cap.
I've read some of your posts about your AR. You'll get more out of them in time. It took me close to a year to finally succeed.
@calyx wrote:The CLI link in the desktop looks the same as ever (which used to make me giggle, because it was a secured card).
I never looked for it in the app previously, but I see they're VERY INSISTENT that I'm eligible for a Gold checking account.
It's adorable that they let me know I spent $7 extra this month.
I've been with USB for 2 years almost with Cash+ and AR, and never seen a CLI link. They said most cards weren't available for online requests. It's probably not a big deal but some people prefer to send a request without having to talk to a rep. I'd still like to see the ability to request an amount too -- at least for consideration.
If I thought for a second I had a chance, I would. I dont want to burn HPs prematurely, because with them, it will take a few at least
@Remedios wrote:If I thought for a second I had a chance, I would. I dont want to burn HPs prematurely, because with them, it will take a few at least
look at @FinStar @Mahraja @12njoy @myself and the list continues. Hp's don't mean much, new accounts is a bit of a different story with a few lenders cough us bank. Just a HP
yes her success was on business card. I believe the signature/infinites never had it or least when i had cash+ never showed.