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Success: US Bank SL Recon!

tyler539
Regular Contributor

Success: US Bank SL Recon!

I recently went on a mini app spree for the Freedom, UBER, and Cash+. My Cash+ got the 30 day message, and I was told I was approved 2 days on the automated line. The card came, and I had a $1000 limit. This was my lowest limit, with my cards averaging $6k! My next lowest card was $2.2k!

Called recon on Sunday @ noon, gave them my name, account #, zip code, and what I wanted the limit to be (I requested $5k), and was told to wait 2-3 business days. Monday morning @ noon, I check, and WHAM, $5k new limit!

Now I wish I had requested more (who knows, $10k, $7.5k), but I wasn't familiar enough with US Bank recon to know if they would meet me halfway or just flat out leave me with my weak limit. Regardless, I'm happy knowing it was granted on the same pull as the original app, and it's now closer to in-line with my other cards, with a useable limit!



Age 21
Current Score: EQ 802 (2 Inq) | TU 790 (6 Inq) | EX 807 (7 Inq)
Message 1 of 4
3 REPLIES 3
VoltronM
Senior Contributor

Re: Success: US Bank SL Recon!

Congrats on approval and nice recon

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 4
ImaPirate
Established Contributor

Re: Success: US Bank SL Recon!

Very nice recon. Congratulations 

Message 3 of 4
s_e_e
New Contributor

Re: Success: US Bank SL Recon!

Congrats! I just got approved with a 1k limit and immediately asked for 3. We’ll see. It would be a rare day if I spent much more than that in a month.
Apart from Navy Fed it is my lowest apr though—16.74.
8/16/18 TU 734 EX 703 EQ 725
10 or 11 inqs each bureau, 14% util

5/6/19 TU 761 EX 744 EQ 736
19 inqs each bureau, 13% util

NFCU cashrewards (25), DiscoverIT (18), Amex ED (2) (4.5), UberVisa (1), Chase Freedom (5.9), Paypal Credit (7.9), NFCU CLOC (15), US Bank Cash+ (12.5), NFCU Amex (15), PP 2% (7.2), Amex Magnet (1), US Bank Platinum (14.5), WF Propel (10), Amex Plat (NPSL), Neiman Marcus (9), Blue Nile (5), HSBC CashRewards (5.5), Amex Rose Gold (15 POT), Disco 2 (1), Amazon Prime Store Card (1.6), Apple Card (2.5)
Personal loans: Lightstream 20k/3yrs/5.95%, 10k/3yrs/5.95%
Message 4 of 4
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