USB Cash+ -- how long 'til CLI ??

[expatCanuck]

How long might one have to wait before applying successfully for a CLI on the US Bank Cash Plus card?

(820+ FICO 8's, 850+ BankCard 8's, clean history, low 6-figure salary, current CL $8.5K.)

[Anonymous]

@expatCanuck How long have you had the Cash+ card?  Also, do you have the "Request a CLI" hyperlink in the blue left panel of your account? (For a while it was not present for everyone).

In my case, I got an auto-CLI after 8 months and just a week ago was approved for another CLI.  I would imagine that as long as you're willing to expend a TU hard pull you could get a CLI.

[K-in-Boston]

I got mine October 2017.  I was one of those weird $500 approvals and called in and reconned it to $15,000 the day I got my card.  In early June 2019, I got an email telling me I was eligible to ask for a CLI and got a CLI for $4500 with no HP.  In mid December 2019, I used the online button and got a letter stating that I was denied because there had been an increase in the past 6 months (while it had been 6 months and a few weeks, yes I'll concede that June is 6 months prior to December).  I asked again two weeks ago and got a $5000 CLI with no HP.  While I went 20 months between activation and my 1st CLI, I don't think you need to wait anywhere near that long, but I would say at least 6 months is a safe bet.

[Remedios]

At least six months, if you're hoping for a possibility of SP.
If you dont mind HP and your spend justifies it, ask today.
They wont play utilization padding this early, your card is what, two months old?

[dlister70]

When I open the form for a CLI it asks for my income, my assets, my house payment and whether I own my home.  Before I hit submit, it says:  "By submitting a credit limit increase request, you authorize us to obtain a copy of your credit bureau report which may affect your score."

That sounds like it might be a hard pull to me, so I didn't submit.  Is that the wording you get for a soft pull?  I don't need an increase, but I'd take one for a soft pull.

[K-in-Boston]

Yeah, the language doesn't change.  Some of us took the chance on one or two cards and ended up with no HP, for some it did end up with a HP even if delayed by a day or two.  No guarantees, but the wording is the same either way.

[expatCanuck]

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@Anonymous wrote:

@expatCanuck How long have you had the Cash+ card?  Also, do you have the "Request a CLI" hyperlink in the blue left panel of your account? (For a while it was not present for everyone).

In my case, I got an auto-CLI after 8 months and just a week ago was approved for another CLI.  I would imagine that as long as you're willing to expend a TU hard pull you could get a CLI.

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Thanks, @Anonymous.  The card is only 2 months old; yes, I have the CLI link.  Just want to get a sense of when to use it.  @Remedios and @K-in-Boston opine 6 months.  I'm fine with that.  No need to ask for more -- unless I decide to buy some serious furniture this quarter (which is a distinct possibility).

[K-in-Boston]

Even if you don't go for serious furniture, I believe IKEA is covered in that category.

[expatCanuck]

❤️

[Anonymous]

I'd sure love to know when I could expect one as well. I've had my Cash+ since 2014 and they've never given me a single auto-CLI in that entire time frame.