Congrats on the increased line an extra credit!
Congrats on your U.S. Bank Altitude Reserve auto-CLI . . . that's awesome!!!
@UncleB wrote:I've gone back-and-forth about even posting about this, but I finally decided this might be a valuable data point so here I am, LOL.
Without further ado, I found out just by checking my accounts online that U.S. Bank has given me a $5k auto-CLI on my Altitude Reserve ("The Precious"). The new credit line is $20k.
The card was opened three years ago (2019) at $15k, where it's been ever since (until now). I did request a CLI once, right after the one year anniversary, but they needed a HP so I let it go (and I immediately regreted even asking, LOL). Truthfully, $15k is more than sufficient for my needs so I was quite OK with it already.
Anyway, the third anniversary just passed a few days ago which seems to be the trigger for this increase. There was no notification, no email, and no letter (at least not yet), the CLI is just 'there'. ¯\_(ツ)_/¯
My scores are all 790-810's depending on bureau and version, and due to bonuses on other cards I've not been using the AR as often as I once did. My spend for the last 12 months was just under $12k. With my Connect (now Cash+ #2) approval last year I figured I was almost certainly tapped-out at U.S. Bank, but I guess there was a little meat left on the bone after all, ha.
My cards with U.S. Bank are the Altitude Reserve at $20k, Cash+ $11k, and Cash+ (#2) $5k.
Hopefully some will find these data points helpful.
Congratulations on the increase.
Congrats old friend! Thats a terrific CLI! And great limit overall!
Congrats!!! Not gonna lie, you made me look at my accounts faster than my brain could register "anniversary date." Fingers crossed maybe I will see something when Cash+ turns 5 in October or AR turns 4 in November. All of my increases were requested except that first Cash+ increase of 30% ($4500) that was what we'll call semi-auto since they emailed me the link to request it back when they did them that way. My limit is overkill on Cash+ but I would like another $500 since that ,500 irks me. 😂
Also, like you not expecting them to become part of your regular life, I never expected to still have Cash+ years later. Since I am out of the service area, C+ was just my excuse to be able to app for Altitude Reserve and C+ has been pretty lucrative with the 5% utilities category. Congrats again!
@Gmood1 wrote:Congrats old friend! Thats a terrific CLI! And great limit overall!
Thanks so much, my friend!
I can definitely say, "no regerts," LOL!
@K-in-Boston wrote:Congrats!!! Not gonna lie, you made me look at my accounts faster than my brain could register "anniversary date." Fingers crossed maybe I will see something when Cash+ turns 5 in October or AR turns 4 in November. All of my increases were requested except that first Cash+ increase of 30% ($4500) that was what we'll call semi-auto since they emailed me the link to request it back when they did them that way. My limit is overkill on Cash+ but I would like another $500 since that ,500 irks me. 😂
Also, like you not expecting them to become part of your regular life, I never expected to still have Cash+ years later. Since I am out of the service area, C+ was just my excuse to be able to app for Altitude Reserve and C+ has been pretty lucrative with the 5% utilities category. Congrats again!
Haha, I wouldn't be surprised at all if you get another "bump" from them as well!
I've only requested an increase on a U.S. Bank card once, and they wanted an HP so I've never tried again (and truthfully I didn't need it, anyway). They gave me a auto-CLI on my first Cash+ that didn't coincide with the anniversary, so I've given up on trying to figure them out, LOL.
I was truly surprised I was even approved for the first Cash+ (I was being naughty with apps at the time). Later on, getting the AR was a pipe-dream that I finally decided to just go for and miracle of miracles they approved it (I've joked that the underwriter must have either been in a good mood that day, or needing to make a quota, ha). I can safely say that I won't be 'poking the bear' for quite a while, if ever... I'm comfy where they have me.
Hopefully your own auto-CLI will be showing up soon!
Congrats on your CLI