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US Bank CLI strategy?

Frequent Contributor

Re: US Bank CLI strategy?



And NRB's question on uti is a good one as it can affect approvals. 

thanks. Yes. I replied to him above. Should have included the quote Smiley Happy


NBR525, I have 60% on 0apr until november. 

I will be using cash to pay off another card at 38% util in march when that offer expires. 

No other balances on cards and overall utilization is 18%. 

Message 11 of 14
Super Contributor

Re: US Bank CLI strategy?

If it were me, I would enjoy the 0% APR offer, not rock the boat with a CLI. You are showing US Bank your payment ability now. As time passes, and you are making significant progress on this balance, it is possible you get an auto CLI.

This 60% utilization has some effect on your score, but it's not a huge number of points, and unless you have some planned mortgage app coming up, you should be just working with your new accounts for now anyway.

FICO score only matters if you are making an app.

US Bank, in my opinion, is a good bank for auto CLI, until you get to your maximum internal exposure. At this point your potential total CL with them is still growing.


Patience in all things credit, US Bank, AMEX, Chase.... etc...

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 12 of 14
Regular Contributor

Re: US Bank CLI strategy?

For the $1500 SP CLIs, does it work for business cards too?

Message 13 of 14
Valued Contributor

Re: US Bank CLI strategy?

Did you call in for the US Bank CLI or did you do it online?

Scores - All bureaus 756 +
TCL - Est. $275K
Message 14 of 14
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