cancel
Showing results for 
Search instead for 
Did you mean: 

US bank cash rewards CLI?

tag
Anonymous
Not applicable

US bank cash rewards CLI?

Just saw that the luv button is available for me on the US Bank website for a CLI. Currently I have an 800 dollar limite my lowest of all cards so far. I do PIF every statement. I have held the card for 3 months now but have had a secured card for them for a year before I closed it. Should I submit the CLI? Are they still a soft pull under 1500?
Message 1 of 10
9 REPLIES 9
RonM21
Valued Contributor

Re: US bank cash rewards CLI?

From everything I've read they may be. But always assume you could get a HP, that way you are prepared for it.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 10
Ghoshida
Valued Contributor

Re: US bank cash rewards CLI?

I tried a $1500 CLI request on my second Cash+ today.

 

All my major reports (EX, TU, EQ) are frozen. 

 

I'll report with the results as soon as I get them.

Message 3 of 10
uswala
Senior Contributor

Re: US bank cash rewards CLI?

I asked for a $1500 CLI through this link 3-4 days ago. Got the CLI and there is no alert of an inquiry. 

Message 4 of 10
Benzman
Frequent Contributor

Re: US bank cash rewards CLI?

From reading past postings on the forum, that usually a SP for CLIs $1,500 and less, I tried last week for $1,500 and it definitely resulted in a hard pull on Transunion. I used the same link as uswala. Didn't get the increase either.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
Message 5 of 10
uswala
Senior Contributor

Re: US bank cash rewards CLI?


@Benzman wrote:

From reading past postings on the forum, that usually a SP for CLIs $1,500 and less, I tried last week for $1,500 and it definitely resulted in a hard pull on Transunion. I used the same link as uswala. Didn't get the increase either.


When was your last CLI before that request. Was it within 6 months?

Message 6 of 10
Anonymous
Not applicable

Re: US bank cash rewards CLI?

Interesting. Because they didn't pull my TU for the app for me and they stated that I received a lower limit due to inquiries at the time of app.

Sounds like it's hit or miss on the soft pull CLI under 1500 then. Are they using TU for the soft pulls?

If you don't mind me asking Benzman what was the reason for the no-go?
Message 7 of 10
Anonymous
Not applicable

Re: US bank cash rewards CLI?

They definitely HP'd me for a 1500 CLI request back in January or February this year.

 

I figured it could be partly because the card's SL was only 1000, so a small CLI was still a large increase proportionally.

Message 8 of 10
Benzman
Frequent Contributor

Re: US bank cash rewards CLI?


@uswala wrote:

@Benzman wrote:

From reading past postings on the forum, that usually a SP for CLIs $1,500 and less, I tried last week for $1,500 and it definitely resulted in a hard pull on Transunion. I used the same link as uswala. Didn't get the increase either.


When was your last CLI before that request. Was it within 6 months?


About 15 months ago.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
Message 9 of 10
Benzman
Frequent Contributor

Re: US bank cash rewards CLI?


@Anonymous wrote:
Interesting. Because they didn't pull my TU for the app for me and they stated that I received a lower limit due to inquiries at the time of app.

Sounds like it's hit or miss on the soft pull CLI under 1500 then. Are they using TU for the soft pulls?

If you don't mind me asking Benzman what was the reason for the no-go?

Too many inquiries in the past two years. (12)

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.