Is US Bank known for low limits, strict guidelines?

[Anonymous]

I have perfect payment history, no negatives anywhere on my report.

But I guess they could be inq sensitive. But I only had two hard pulls recently. All my CLIs have been soft. So idk. They just don’t trust me with more than 1200 lol.

[Anonymous]

I had great success with them recently. They gave me 2500 SL...IMMEDIATELY (before I got card) reconned for 15k. approved. Required HP for initial sign up and HP for CLI/recon.

I made a post in the approvals section with more details
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approved-us-bank-cash-plus-6x-recon/td-p/5518...

[LittleSal]

You could probably get a CLI if you take the HP. US Bank only gives small increases via the SP.

[noobody]

US Bank treat me better than good.
They approved me two credit cards with highest SL for me (12K 15K) without prior relationship.
They throw small incentive (500 hotel points, $5 statement credit) to me if i accept SP CLI of 4500.
Eventually, i called in to REDUCE my Club Carlson from 20K to 1K (useless to me now), cash+ from 15k to 8K (capped rewards card doesn't need very high CL).
Last month I applied premier LOC, instant approved for almost 20K.

[UpperNwGuy]

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@Anonymous wrote:
My average credit limit is $7500, and really the cards below this limit are store cards, except for two, my Highest limit is $15000. For some reason, even with perfect payment history for a year, and moderately high usage, US bank will not increase me from the measly SL of $1200. Is US Bank just really strict with their CLIs or something? Or am I just unlucky.

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You're in too much of a hurry.  Be patient.  One year of on-time payments is not going to impress a bank.  A year is a fairly short time.