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Another SP CLI for US Bank Cash+

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Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@Eyepinpools wrote:

Congrats! 

im trying to help my sister build larger credit lines. She has 810+ scores but her cards are 4-15k limits as she has never requested an increase on anything. 

im curious, I have heard with USB it's sometimes SP or HP. How would one know in advance of requesting what the result will be? Thank you 


Thanks @Eyepinpools 

 

Unfortunately, the CLIs are YMMV with US Bank. I've never had a HP for any of the requested increases. At one point I thought it might be because of the long relationship I've had, but others have had long relationships and HPs still occurred.

 

One can always lock the credit accounts and roll the dice. 

Current FICO 8:



Message 21 of 31
Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@Cashbackjunky wrote:

Congrats on that extra $5k!!


Thanks @Cashbackjunky 

Current FICO 8:



Message 22 of 31
Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@Rdbeetle wrote:

Congrats on your $5000 cli!!!


Thanks @Rdbeetle 

Current FICO 8:



Message 23 of 31
KingRue8500
Senior Contributor

Re: Another SP CLI for US Bank Cash+

Congrats on your US Bank Cash+ CLI




Message 24 of 31
Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@KingRue8500 wrote:

Congrats on your US Bank Cash+ CLI


Thanks @KingRue8500 

Current FICO 8:



Message 25 of 31
babygirl1256
Senior Contributor

Re: Another SP CLI for US Bank Cash+

Congrats on your US Bank Cash+ CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 26 of 31
Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@babygirl1256 wrote:

Congrats on your US Bank Cash+ CLI.


Thanks @babygirl1256 

Current FICO 8:



Message 27 of 31
Binbinimiwi
Frequent Contributor

Re: Another SP CLI for US Bank Cash+

Congratulations 🎉 

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 28 of 31
Titans84
Valued Contributor

Re: Another SP CLI for US Bank Cash+


@Binbinimiwi wrote:

Congratulations 🎉 


Thanks @Binbinimiwi 

Current FICO 8:



Message 29 of 31
Janneman
Established Contributor

Re: Another SP CLI for US Bank Cash+


@Titans84 wrote:

@Eyepinpools wrote:

Congrats! 

im trying to help my sister build larger credit lines. She has 810+ scores but her cards are 4-15k limits as she has never requested an increase on anything. 

im curious, I have heard with USB it's sometimes SP or HP. How would one know in advance of requesting what the result will be? Thank you 


Thanks @Eyepinpools 

 

Unfortunately, the CLIs are YMMV with US Bank. I've never had a HP for any of the requested increases. At one point I thought it might be because of the long relationship I've had, but others have had long relationships and HPs still occurred.

 

One can always lock the credit accounts and roll the dice

 

did u lock your credit reports before asking cli?


 

Message 30 of 31
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