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My first spontaneous CLI ever + US Bank Cash+ #2!!!

jaylau17
Valued Contributor

My first spontaneous CLI ever + US Bank Cash+ #2!!!

After a considerable stint in the garden, I applied for a second US Bank Cash+ last week, because I've hit the $2000 quarterly cap every quarter since I got my first one (the $100 online bonus didn't hurt either). I got the typical 7-10 day message. After not hearing anything about my application for an entire week (the online application status website and phone number couldn't locate my application), I called the number on the back of my first Cash+ and see if the my app had been decisioned yet. I spoke to a kind CSR who confirmed to me that my application had been approved with a $5000 limit. YAHOOOO!!!!!

 

Incidentally, this isn't the only good news I got with this phone call.... Just some backstory, while I have gotten numerous SP CLIs across many of my cards over time, they've all been initiated by me. One thing that has always irked me is that I have never been surprised with an uninitiated CLI before...

 

Well, while I was going through the automated prompts to speak to someone about my application, the IVR began to read out information about my current Cash+ account. Boy, was I surprised when it said that my current revolving limit was $7500!!! I actually had the IVR restate my account information again to make sure I hadn't misheard. Sure enough, my first Cash+ (originally with a $5000 limit) had been given an unsolicited $2500 SP CLI!!! Yay! Now I'm a member of the spontaneous luv club! Lol.

 

EDIT: 

I guess this also puts me in the 100K club as well!! Smiley Happy

Better Balance Rewards - $1000 || Discover It (Joint) - $2000 || Better Balance Rewards #2 - $2100 || Wells Fargo Platinum - $2900 || Barclays Commence MC - $3700 || Better Balance Rewards #3 - $4000 || Amex SPG - $3000 || Discover It - $5000 || IHG Rewards WM - $5000 || Merrill+ VS - $5000 || Vantage West Connect Rewards VS - $5000 || Wells Fargo Propel Amex - $5100 || AARP VS - $7000 || Wyndham Rewards Visa - $7000 || US Bank Cash+ VS # - $7500 || Citi Dividend - $7600 || Citi Double Cash - $8000 || Sam's Club MC - $8500 || Chase Freedom VS - $8500 || Marriott Rewards VS - $9000 || Penfed Pathfinder Amex - $10000 || Quicksilver WMC - $10500 || US Bank Cash+ VS - $11500 || Amex Everyday - $12000 || Quicksilver VS - $23500 || Amex PRG || Total Credit: $150,400
Message 1 of 9
8 REPLIES 8
CreditMagic7
Super Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

That's a nice surprise for US Bank and they seem to be doing more of this of late for some cardholders including yours truly.

 

Congrats! on the US Bank good news!

Message 2 of 9
CreditCuriosity
Moderator

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

Congrats with the approval and cli!

Message 3 of 9
Super_AL
Valued Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!


@jaylau17 wrote:

After a considerable stint in the garden, I applied for a second US Bank Cash+ last week, because I've hit the $2000 quarterly cap every quarter since I got my first one (the $100 online bonus didn't hurt either). I got the typical 7-10 day message. After not hearing anything about my application for an entire week (the online application status website and phone number couldn't locate my application), I called the number on the back of my first Cash+ and see if the my app had been decisioned yet. I spoke to a kind CSR who confirmed to me that my application had been approved with a $5000 limit. YAHOOOO!!!!!

 

Incidentally, this isn't the only good news I got with this phone call.... Just some backstory, while I have gotten numerous SP CLIs across many of my cards over time, they've all been initiated by me. One thing that has always irked me is that I have never been surprised with an uninitiated CLI before...

 

Well, while I was going through the automated prompts to speak to someone about my application, the IVR began to read out information about my current Cash+ account. Boy, was I surprised when it said that my current revolving limit was $7500!!! I actually had the IVR restate my account information again to make sure I hadn't misheard. Sure enough, my first Cash+ (originally with a $5000 limit) had been given an unsolicited $2500 SP CLI!!! Yay! Now I'm a member of the spontaneous luv club! Lol.

 

EDIT: 

I guess this also puts me in the 100K club as well!! Smiley Happy


Congratulations to you!...Thanks for sharing.Smiley Wink

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 4 of 9
Veg325
Frequent Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

Sweet, congrats! I recently pc'd my cash to a cash+ so I'm super excited myself. I'm about 7k away from the 100k club. Looking forward to joining you! =]
•Chase Freedom • AMEX BCP •AMEX Rose Gold •Apple Card •Chase Amazon Prime •Discover iT •NFCU Cash Rewards •US Bank Cash+ •Nordstrom VISA
Message 5 of 9
kdm31091
Super Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

The Cash+ 5k to 7.5k bump seems to be pretty common, happened to me around the 9 or 10 month mark. It's not really necessary for me since I don't use anywhere near the limit, but it's nice to get an increase.

 

Congrats on card #2 from US Bank, they can certainly be picky and conservative.

Message 6 of 9
Mia25
Senior Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

Well done, congrats on the approvals and success !!

Message 7 of 9
Thexian100
Valued Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

Congrats on your success!
Message 8 of 9
Vegas4Play
Valued Contributor

Re: My first spontaneous CLI ever + US Bank Cash+ #2!!!

Congrats on your CLI !!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 9 of 9
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