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Your experience w/US Bank CLI’s? Cash Rewards Visa

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: Your experience w/US Bank CLI’s? Cash Rewards Visa


@seattlecredit08 wrote:

I have two related questions on this:

 

  1. What is the best way to request a $1500 CLI for USB Cash+ card? Over the phone or online?
  2. Is it exactly $1500 or should it be $1499 to avoid a Hard Pull? Is it guaranteed to avoid a Hard Pull?

Thanks in advance!!


I did mine online.

I requested the full $1500. the DPs suggest $1500 or less without a HP.

Now please understand;  nothing in credit is guaranteed. This is YYMV but for most people it's been a SP. 

And you do have to wait about 6-7 days for your answer. They'll send a letter and/or secure message. 

Good Luck!!




Message 11 of 14
Frequent Contributor

Re: Your experience w/US Bank CLI’s? Cash Rewards Visa

For online CLI requests, for those who did not get this in ther online dashboard, has anyone recently used either of these links (BOTH still active to my surprise Smiley SurprisedSmiley Happy):

 

https://www.usbank.com/splash/credit-cards/credit-line-increase.html

https://www2.usbank.com/cgi_w2/cfm/credit/usb_cards/manage/usb_card_chg_main.cfm?Page=Limit

 

Thanks in advance!!

Message 12 of 14
Regular Contributor

Re: Your experience w/US Bank CLI’s? Cash Rewards Visa

Interesting 🤔 my button didn’t say “you may already be approved” type thing. I did the request and got the “we’ll send a letter in 7-10 days and I feel like it’s at least been 10 days. I’ve also seen no increase to my limit online. I feel like mine is a denial which would make no sense. Did you apply for an increase? What did it say after?
805 Equifax, 815 TransUnion, 792 Experian

$30,000 Savor Capital One
$29,000 Boeing Employees MasterCard
$18,000 Synchrony Care Credit
$17,000 Boeing Employees CU Visa
$15,000 US Bank Cash Plus Visa
$14,000 Bank Of America World Cash Rewards MasterCard
$14,000 Platinum Visa Columbia Bank Auth User
$14,000 Best Buy Citi Card
$13,500 American Express Blue Cash Everyday
$10,000 Propel Wells Fargo Amex
$9,500 Bank of America Visa
$1,000 Maurice’s Capital One

Total personal CL’s $155,500
Message 13 of 14
Valued Contributor

Re: Your experience w/US Bank CLI’s? Cash Rewards Visa


@Ktspicks wrote:
Interesting 🤔 my button didn’t say “you may already be approved” type thing. I did the request and got the “we’ll send a letter in 7-10 days and I feel like it’s at least been 10 days. I’ve also seen no increase to my limit online. I feel like mine is a denial which would make no sense. Did you apply for an increase? What did it say after?

Mine said the same as yours.

We'll let you know in 7-10 days, if approved the new credit limit will be reflected at that time.

 

Remember it's 7-10 business days.. It seemed like a LONG time for me too but IIRC it was 7 business days. 

Good Luck! crossed_fingers.gif




Message 14 of 14