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It was a hard pull on transunion I think. At least that's what credit karma said. I pressed the cli button on the website but my Internet browser shut down for some reason so I calthe and they asked why I wanted the increase and if I was still planning on pif every month...pretty easy process minus hp
chnceit - No, it would be another pull for the US Bank LOC. That's what initiated my call to them about the LOC. I thought for sure they could/would use the same pull from 2wks earlier. I felt like the CSR was looking at the original pull because she was telling me that I had nothing to worry about with being approved for the $15k LOC.
Almost forgot, got this same day I app'd for the USAA card last week. BoA has been mail-offering me like crazy, so I went with it, before all of my new accounts had been reported. US bank, DCU and Discover still not reporting.
Bank of America Cash rewards - $1500
Thanks for the kudos everybody, and congrats to all of you as well!
@chnceit wrote:
@racer-x wrote:1-6-13
NEW:
DCU Visa - $10k
US Bank Platinum Visa - $10K
DISCOVER IT - $1875
PAYPAL Extra MC - $1000
LOWES - $650
UPDATE to the list above:
USAA Mastercard - $6000
Cap One Visa CLI - $500 to $5000
That's $34K in new credit. wow. I'm still in awe.
-I talked to US Bank the other day about their Premier LOC. The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.
Stay tuned...
WOW!! Dude congrats! Thats huge! BTW Did US Bank use the same pull for your CC and LOC?
This was my recent experience: First I did apply for USBank LOC, got it approved. Then I called the credit card dept and asked for a CLI based on the hard pull for LOC. They said they dont have any way to do that as the under writing dept has control of it. Then I called the UW folks and explained them the situation and asked for a $5000 CLI based on the recent HP. Two days later I have the requested CLI. A total combined new credit of $19.5K with one HP!!!! I was so pumped!!!
@crazysxycool wrote:
@kwinks wrote:Chase Sapphire Preferred 5000 CL
Amex Blue Cash Prefered 4500 CL
CLI on Bank of America Cash Rewards from 500 to 3000
Hi - was your Bank of America CLI a soft or hard pull? I'm thinking about asking for an increase on mine.
It was a hard on TU for me.
@tennisfan78 wrote:
@chnceit wrote:
@racer-x wrote:1-6-13
NEW:
DCU Visa - $10k
US Bank Platinum Visa - $10K
DISCOVER IT - $1875
PAYPAL Extra MC - $1000
LOWES - $650
UPDATE to the list above:
USAA Mastercard - $6000
Cap One Visa CLI - $500 to $5000
That's $34K in new credit. wow. I'm still in awe.
-I talked to US Bank the other day about their Premier LOC. The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.
Stay tuned...
WOW!! Dude congrats! Thats huge! BTW Did US Bank use the same pull for your CC and LOC?
This was my recent experience: First I did apply for USBank LOC, got it approved. Then I called the credit card dept and asked for a CLI based on the hard pull for LOC. They said they dont have any way to do that as the under writing dept has control of it. Then I called the UW folks and explained them the situation and asked for a $5000 CLI based on the recent HP. Two days later I have the requested CLI. A total combined new credit of $19.5K with one HP!!!! I was so pumped!!!
Thanks racer and tennis for the info and congrats on the success. I want to apply for a US bank product(s). But I will let my new accounts to grow
racer-x wrote:
1-6-13
NEW:
DCU Visa - $10k
US Bank Platinum Visa - $10K
DISCOVER IT - $1875
PAYPAL Extra MC - $1000
LOWES - $650
UPDATE to the list above:
USAA Mastercard - $6000
Cap One Visa CLI - $500 to $5000
That's $34K in new credit. wow. I'm still in awe.
-I talked to US Bank the other day about their Premier LOC. The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.
Stay tuned...
1-26-13:
After receiving an email from US Bank reminding me of my unfinished Premier LOC application, I went ahead and did it.
$15K instant online approval.
I'm fiinto.
P.S. I almost forgot about the BoA Cash Rewards for $1500. Haven't received it yet. Taking forever.
Now I'm completo. lol
No new approvals for myself, as I'm happily sitting in the garden. But since I manage my DH's credit (with his complete knowledge and consent) and I've posted about it on this forum, I thought I'd go ahead and join in the fun on this thread...
For my DH... Chase Freedom MC, $1500 CL. The card just arrived yesterday!
@racer-x wrote:@racer-x wrote:
1-6-13
NEW:
DCU Visa - $10k
US Bank Platinum Visa - $10K
DISCOVER IT - $1875
PAYPAL Extra MC - $1000
LOWES - $650
UPDATE to the list above:
USAA Mastercard - $6000
Cap One Visa CLI - $500 to $5000
That's $34K in new credit. wow. I'm still in awe.
-I talked to US Bank the other day about their Premier LOC. The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.
Stay tuned...
1-26-13:
After receiving an email from US Bank reminding me of my unfinished Premier LOC application, I went ahead and did it.
$15K instant online approval.
I'm fiinto.
P.S. I almost forgot about the BoA Cash Rewards for $1500. Haven't received it yet. Taking forever.
Now I'm completo. lol
Congrats!!!!! That is awesome!!!! what is your apr on US Bank LOC?
Last CA/Negative mark came off on my EQ increasing my score to 743. Immediately when on an app binge and was able to refi my auto loan with USAA @ 3.74%, approved for Discover IT $1,500 CL after review (they also pulled TU which was still showing $9k CA) USAA AMEX, CITI AA, Chase United still pending! (Stupid fraud alert)
tennisfan - 9.25%-13.25% on the US Bank LOC
Thanks for the kudos everybody. It's crazy to think that just 4 mos. ago I had (3) TL's with $1250 of available credit. Now I'm pushing $55k of actual available credit, and nearly $70k in available credit reporting.
I need to start using these things. Having a tough time transitioning from cash to credit. It took so long for me to rebuild it, that I'm now afraid to touch it. lol.