I have a US Bank cash visa card with cl of 14.5K open the account in August 2019, have put some spend on it. Fico scores are around 800 do you think it will be soft or hard pull. Do you think emough time has past for cli request.
Can you tell us... What was the inquiry? I emailed US Bank and asked this same question, and oddly they couldnt (or wouldnt) tell me which it would be.
The card has already been open nearly for a year so I would suggest you might as well wait until 12 months + 1 day after the card was opened before making the request. Odds are that it would be a SP but YMMV and after that wait at least 6 months between CLI requests.