Hello friends!
I tend not to post about CLIs too often, usually only when there's something about one that I feel might be helpful to others in the community. Today's U.S. Bank auto-CLI falls under that category.
I opened the account back in December, and was approved with a generous (for me) credit line of $7500. I use the card for utilities and fast food, which of course happen to be my two 5% categories (I have restaurants set as my 2% category as a fall-back in case a fast-food place is coded wrong). I used it to purchase my laptop back in March (approx. $800), and since I have a 0% promo through December I've not been in a hurry to pay it down.
A couple of days ago I realized I only had a little over $100 left on the balance I was carrying (not counting new charges) so when I made my payment I decided to zero-out the card. The payment posted yesterday, and today when I checked the account online my credit line is $11k.
TL;DR... old credit line $7.5k, new credit line $11k. 
The payment isn't due until the 22nd so I'm still mid-statement, and depending on when you start counting (due to the manual underwriting) it has been nearly exactly nine months since the account was opened. That said, I tend to think that getting the account back to a zero balance might have been the trigger (although I admit this is pure speculation).
I was pleased with the old credit line (and I'm pleased with U.S. Bank in general) but this was a nice surprise to wake up to. Hopefully these data points will be helpful to other U.S. Bank cardholders in the community.
Congrats on the CLI. I have a US Bank Cash + as well, but it's only been 3 months. Hopefully, following your method of using and PIF, I can score one too!
@Anonymous wrote:Congrats on the unexpected CLI! Did you happen to check if they did a HP of your credit? I'm assuming they didn't, but figured I'd ask.
Thanks! There was no HP.
@xaximus wrote:Congrats on the CLI. I have a US Bank Cash + as well, but it's only been 3 months. Hopefully, following your method of using and PIF, I can score one too!
Thanks! I don't know for sure that my CLI was driven by getting back to PIF, but it certainly won't hurt to give it a shot!
@Anonymous wrote:Congrats on the CLI.
Now if only they would give me an auto-cli on my $500 Platinum card that was also opened last December.
Thanks! I have no idea how I ended up doing so well with them... others with profiles stronger than mine have had to recon their starting credit line, while I was given $7.5k out of the gate. Good luck with your own Platinum!
@UncleB wrote:
@Anonymous wrote:Congrats on the CLI.
Now if only they would give me an auto-cli on my $500 Platinum card that was also opened last December.
Thanks! I have no idea how I ended up doing so well with them... others with profiles stronger than mine have had to recon their starting credit line, while I was given $7.5k out of the gate. Good luck with your own Platinum!
That $500 SL just annoys me I applied for it during the holidays and I was sure I got a denial email then early in January the card showed up in my mailbox. At the time I didn't know that I could recon the SL so I just left it alone . But I did get a Cash+ with a $15K SL in February so it all worked out. I figure that eventually they will come around on the Platinum.
Congrats! I'm (almost) ashamed to admit that I'm riding out a balance transfer on mine. LOL We'll see if they're as kind to me when I pay that off; they've certainly been trying their best to get me to go for the Altitude Reserve.
