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HP unless invited by US bank for a SP CLI either through email/mail.. Also YMMV, but you also can get them if it is under $1500 request. Usually a SP, but HP's have certainly happened.
What is the 1500 SP trick?
@MrTomwrote:What is the 1500 SP trick?
The "trick" is to request 1500 CLI or less to avoid a HP. But then, some people have reported they still got a HP regardless.
I'd just wait till I get an offer for a SP CLI.
US-Bank makes you wait some time between CL increases.
I got my first CL increase at about 1 year (Automatic).
Second year (Letter with Web-Page LInk)
Year 3 (e-Mail followed by the letter).