US Bank CLI

[djrez4]

Chase and Discover seem to like me.  Amex and US Bank are willing to approve me, but don't like me very much.  Until today...

I requested a CLI on my REI Visa the day after Christmas via the US Bank website after charging and paying $500 on the card this month.  REI had a good deal going that netted me $100 worth of gift cards for buying my new ski bindings and the REI Visa gives me an extra 5% dividend on REI purchases.  I netted over $180 back on the purchase between the gift cards and dividend.

Last time I requested a CLI, US Bank denied me because the account was too new.  This time, I expected they would do the same.  The card is still under 6 months old.  Instead, I got an alert of a Transunion inquiry on the 28th (Equifax and Experian are frozen - apparently, you can use freezes to redirect a US Bank inquiry).  At first, I was a bit pissed.  Why would they pull if the account was too new to grant a CLI?  I signed into my account today to see that they had given me the increase I requested!

Now, Amex is the last holdout - everyone else is willing to give me $5,000 or more on a card.  Amex gets a chance to bump me up on February 6.

[tennisfan78]

Congratulations!!!  US Bank always pulls EQ report for me.  Can I ask how much CLI did you get and what your credit score is?

[djrez4]

$2,500 -> $5,000

TU FICO 721 pre-inquiry.  CK dropped 4 points from the pull.

[tennisfan78]

Now that your CL is at $5000, you could call in and request them to PC your card to USBank Cash Plus. You can get 5% cash back on select categories including Bill Pay.