Email from US Bank offering a CLI

[android01]

It's the first time I've ever received an email telling me I was eligible for a CLI.  There is a link to go to their credit center to find out.  Of course, I'm always interested in CLI's, but US Bank does a hard pull for CLI's if I remember correctly, and I'm not liking that too much. 

Has anyone else received this email, and if so, did you go for it?  Was it a hard pull or a soft pull?

[enharu]

If you are pre-approved for a CLI, it's usually SP. Technically they already SP'ed you before you offered you the CLI.

[emptypockets]

I never got a email, the only CLI I got was an auto CLI in Sept, 2012 (3 months after I opened account).

[Creditaddict]

USBank "use" to offer up to $1500 CLI on SP every 6 months and up to $3000 CLI with SP on Business Accounts... If they are reaching out to you TAKE IT!

What I don't get is why banks do this sort of thing vs JUST FORK OVER THE CLI!!! Geesh... WE WANT IT

[android01]

Well, I followed the link and didn't even have to log into my account.  There was a list of FAQ's and I saw this:

Will this credit line increase request require a credit check?

No, line increases through this process will not require an additional credit check (also known as bureau score review).

So I clicked submit after answering a couple questions - zip code, last 4 numbers of SSN, last four numbers or credit card, salary.  It came back with in increase of $4,500 making my new CL $19,500. 

[emptypockets]

Nice increase!

[FutureBillionaire]

That's good stuff. I've never received an increase offer from them.

[android01]

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@FutureBillionaire wrote:

That's good stuff. I've never received an increase offer from them.

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It was a first for me too, and I've been banking with them for over 20 years!

[jefftca925]

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@android01 wrote:

Well, I followed the link and didn't even have to log into my account.  There was a list of FAQ's and I saw this:

Will this credit line increase request require a credit check?

No, line increases through this process will not require an additional credit check (also known as bureau score review).

So I clicked submit after answering a couple questions - zip code, last 4 numbers of SSN, last four numbers or credit card, salary.  It came back with in increase of $4,500 making my new CL $19,500. 

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I received the same e-mail yesterday for Cash+ card... and clicked the link... read the Q&As and saw no HP.  Proceeded and also got a $4500 increase to my credit line.  Pretty simple!  I've had my card for 4 years and also have a BB&B MC from them with a $15k limit.

[android01]

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@jefftca925 wrote:

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@android01 wrote:

Well, I followed the link and didn't even have to log into my account.  There was a list of FAQ's and I saw this:

Will this credit line increase request require a credit check?

No, line increases through this process will not require an additional credit check (also known as bureau score review).

So I clicked submit after answering a couple questions - zip code, last 4 numbers of SSN, last four numbers or credit card, salary.  It came back with in increase of $4,500 making my new CL $19,500. 

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I received the same e-mail yesterday for Cash+ card... and clicked the link... read the Q&As and saw no HP.  Proceeded and also got a $4500 increase to my credit line.  Pretty simple!  I've had my card for 4 years and also have a BB&B MC from them with a $15k limit.

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Cool!  US Bank must be doing CLI's for the upcoming holiday shopping season.  It was my Cash+ card as well.