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US Bank adds CLI requests via app and online?

dberryhill
Valued Contributor

Re: US Bank adds CLI requests via app and online?

In a weird way, the pattern feels lime 50-100% increases based on SL/current limit
Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 61 of 122
Poppa
Frequent Contributor

Re: US Bank adds CLI requests via app and online?

I got my card November 2018 $4000 SL. Read about the SP CLIs goin on here and gave it a shot. $4000 CLI to $8000. So far no alerts of HP. 

FICO SCORE 08 - TU 775 - EX 782 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 62 of 122
Remedios
Moderator

Re: US Bank adds CLI requests via app and online?

When I asked for increase on AR, i lost screenshot because i walked away after hitting submit button, i guess it timed out.
I was certain it would either get denied or manual review would happen, neither option being screenshot worthy lol

Then, i felt like really weird posting about increase because CLI link clearly indicates HP. I guess they are just covering their bases in case HP is actually performed.

Now I have a different problem, and that's wanting to go back and see what happens lol
That's one urge I'm going to resist, because while I appreciate data points, I dont want to be one.

I'm happy with imaginary money they are letting me play with during a billing cycle.
I can start groveling about Citi now.

Message 63 of 122
TwilightSymphonie
Frequent Contributor

Re: US Bank adds CLI requests via app and online?

Im a USBank/Citi person. For now. Both have done me good to be honest. 

















Message 64 of 122
dberryhill
Valued Contributor

Re: US Bank adds CLI requests via app and online?

Still not sure if my data point is an anomaly or something else for some reasons listed in my thread. But I do agree with you Remi that the CLI metrics may be wayyy different from the card qualification scorecard.

Moreover, some of it could be seasonality.
Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 65 of 122
icednightpaper
Regular Contributor

Re: US Bank adds CLI requests via app and online?

Reading through this thread again I decided to shoot my own shot. Mobile app: instant approval for $4,000 increase, up to $9,000. Card opened 8/2017, $0 balance currently, never received auto-CLI. Whether it be a hard pull is yet to be determined.

Message 66 of 122
Poppa
Frequent Contributor

Re: US Bank adds CLI requests via app and online?

Got the HP today. 

FICO SCORE 08 - TU 775 - EX 782 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 67 of 122
dberryhill
Valued Contributor

Re: US Bank adds CLI requests via app and online?

Welp. I also got a hp today. seems weird and delayed excessively, but there it is
Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 68 of 122
imaximous
Valued Contributor

Re: US Bank adds CLI requests via app and online?

Posted update and info from USB underwriting dept. in first post.

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 69 of 122
icednightpaper
Regular Contributor

Re: US Bank adds CLI requests via app and online?

Thanks imaximous for the update, interesting how you kind of have the "choice" of going about the CLI request.

 

I want to post an update of my own: I never got a HP for my own mobile app request a few weeks back, additionally I've spent a total of $3,000 in BT and <$500 in actual purchases over the two years I've had the Cash+. It doesn't exactly help determine how US Bank works but figured I would share.


Message 70 of 122
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