s.jessica wrote:I opened an account with U.S. Bank and got their basic Platinum starter Visa card with a $500 CL. While we are on the subject of CLI's how long does it take to get a CLI from them and is it automatic?
I had the Cash + which I'm assuming works the same way (but can't be sure of that). They gave me an auto cli of 2k after 2 months with the card (from 12k to 14k). That was with moderate usage and paid in full and they did an A/R (Account review) pull prior to the CLI.
Cash + is probably the exception as it is (or was) their top tier card. But, Elan is part of US Bank, and I have two other cards with my bank (Associated) that uses Elan's network. I also got auto CLIs on each of those cards, after 8 months on the Platinum they gave me a CLI of 4500 to 13.5k, and on the Signature they were not quite so generous with 1k from 7k to 8k after about 4 months.
So, with good use and scores, it should grow over time. There is no quick fix to big limits just use what you have well and wisely for 6 months to a year and if they haven't done you right by then, ask for CLIs.