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US Bank Altitude Go + Elan Max Cash Preferred CLIs

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Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@CreditMagic7 wrote:

Congratulations on both your US Bank Altitude Go + Elan Max Cash Preferred CLI duo's!


Thanks @CreditMagic7 

Current FICO 8:



Message 11 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@TSlop wrote:

Congrats on your CLIs!


Thanks @TSlop 

Current FICO 8:



Message 12 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@Ficoproblems247 wrote:

Congrats, and nicely done! I'm rolling with the 7 month strategy on all 3 of my USB/Elan cards too. Slow and steady wins the race! Thanks for the DPs. It's nice to have more examples of SPs even with the initial denials. In fact, I can't think of anything recently where someone reported a HP from them for a CLI attempt. 


Thanks @Ficoproblems247 

 

I think there have been a few HP CLIs reported in the last few months, but I also notice most have been SP. I'm pretty sure that $25k will likely be the max per card for me before a HP will be required. Will be attempting a SP request on my small CL Cash+ on July 1st. My theory is that CLs under $5k see a 2x increase and most CL that are at $5k or more see a $5k increase up to $25k. I'm assuming that small line of $2.6k will increase to $5.2k. 

Current FICO 8:



Message 13 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@NalekSok wrote:

Congratulations on your CLIs! 🎉


Thanks @NalekSok 

Current FICO 8:



Message 14 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@gdale6 wrote:

Sweet, great CLs on both!!


Thanks @gdale6 

Current FICO 8:



Message 15 of 44
MySunrise271
Established Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

Congratulations on your dual CLIs🎉🎉🎉

Message 16 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@MySunrise271 wrote:

Congratulations on your dual CLIs🎉🎉🎉


Thanks @MySunrise271 

Current FICO 8:



Message 17 of 44
Janneman
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs

i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?

Message 18 of 44
Titans84
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@Janneman wrote:

i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?


There are cases where a CLI requires and underwriter and is still approved. You said you requested a CLI in October, was that approved? When did you get approved for the card? Was it at least 7 months from your approval to the 1st CLI request?

Current FICO 8:



Message 19 of 44
Janneman
Valued Contributor

Re: US Bank Altitude Go + Elan Max Cash Preferred CLIs


@Titans84 wrote:

@Janneman wrote:

i hv altitude go for one year..i requested cli last October and just requested cli again online two days ago and I got the message that underwriter will review my request in 7-10 days. Right now my cli is only $8k and my income is $67k/yearr....dont know why cli on my account wasn't instant and why it went to underwriter....I personally never seen like this over here...any idea?


There are cases where a CLI requires and underwriter and is still approved. You said you requested a CLI in October, was that approved? When did you get approved for the card? Was it at least 7 months from your approval to the 1st CLI request?


my last cli was 8 months ago... which got approved tor $4k... I was approved for this card last year in january..

Message 20 of 44
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