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I was wondering does anyone know if US Bank moves credit limits from one card to another like Chase?
I think they do. I don't have a US Bank card, but I recall reading somewhere that someone was able to shift lines.
@Leadberry wrote:
Why not just call and ask?
Because presumably that is why we are here....to answer credit-related questions. This is the, "Just Google it" answer about which I posted recently. It is not helpful.
@indiolatino61 wrote:
@Leadberry wrote:
Why not just call and ask?Because presumably that is why we are here....to answer credit-related questions. This is the, "Just Google it" answer about which I posted recently. It is not helpful.
+1
Keep it FSR as always.
@Revelate wrote:
@indiolatino61 wrote:
@Leadberry wrote:
Why not just call and ask?Because presumably that is why we are here....to answer credit-related questions. This is the, "Just Google it" answer about which I posted recently. It is not helpful.
+1
Keep it FSR as always.
Well: asking the issuer REALLY is the best approach for a lot of these questions. To be a little unrespectful for a bit (but pleading the doctrine of necessesity) there ARE people on this board who believe (hopefully) that they know the answers but in fact do not, are basing it on very small sample of experiences, friend of a friend, read somewhere on the internet etc. Sometimes they are wrong, but because they are parroted confidently, they appear to be the true answer and can get people mislead.
Now for some type of question, asking here makes much more sense "Which card A or B would be better for me given my spending and goals?" "Can I recon bank X?". Less clear of the value, but still popular is "Can I get card X with these scores and history?". But in cases of transferring limits, I would ask the issuer first. If the answer is "No", then ask here to see if anyone has a had a success, but for many things, the issuer is the decision maker, no matter what 50 anonymous people on myfico think.
Sorry, but respectfulness doesn't always override truth!
@longtimelurker wrote:
@Revelate wrote:
@indiolatino61 wrote:
@Leadberry wrote:
Why not just call and ask?Because presumably that is why we are here....to answer credit-related questions. This is the, "Just Google it" answer about which I posted recently. It is not helpful.
+1
Keep it FSR as always.
Well: asking the issuer REALLY is the best approach for a lot of these questions. To be a little unrespectful for a bit (but pleading the doctrine of necessesity) there ARE people on this board who believe (hopefully) that they know the answers but in fact do not, are basing it on very small sample of experiences, friend of a friend, read somewhere on the internet etc. Sometimes they are wrong, but because they are parroted confidently, they appear to be the true answer and can get people mislead.
Now for some type of question, asking here makes much more sense "Which card A or B would be better for me given my spending and goals?" "Can I recon bank X?". Less clear of the value, but still popular is "Can I get card X with these scores and history?". But in cases of transferring limits, I would ask the issuer first. If the answer is "No", then ask here to see if anyone has a had a success, but for many things, the issuer is the decision maker, no matter what 50 anonymous people on myfico think.
Sorry, but respectfulness doesn't always override truth!
What I am saying is, it would be a little more amenable to write, "I think that you should call the lender because you may not get an accurate answer to that type of question" is better than, "Why not just call." See the difference in tone? Same answer but more accomodating and welcoming to our members. Respectfulness doesn't have to override the truth...but it can certainly partner with it.
@indiolatino61 wrote:
@longtimelurker wrote:
@Revelate wrote:
@indiolatino61 wrote:
@Leadberry wrote:
Why not just call and ask?Because presumably that is why we are here....to answer credit-related questions. This is the, "Just Google it" answer about which I posted recently. It is not helpful.
+1
Keep it FSR as always.
Well: asking the issuer REALLY is the best approach for a lot of these questions. To be a little unrespectful for a bit (but pleading the doctrine of necessesity) there ARE people on this board who believe (hopefully) that they know the answers but in fact do not, are basing it on very small sample of experiences, friend of a friend, read somewhere on the internet etc. Sometimes they are wrong, but because they are parroted confidently, they appear to be the true answer and can get people mislead.
Now for some type of question, asking here makes much more sense "Which card A or B would be better for me given my spending and goals?" "Can I recon bank X?". Less clear of the value, but still popular is "Can I get card X with these scores and history?". But in cases of transferring limits, I would ask the issuer first. If the answer is "No", then ask here to see if anyone has a had a success, but for many things, the issuer is the decision maker, no matter what 50 anonymous people on myfico think.
Sorry, but respectfulness doesn't always override truth!
What I am saying is, it would be a little more amenable to write, "I think that you should call the lender because you may not get an accurate answer to that type of question" is better than, "Why not just call." See the difference in tone? Same answer but more accomodating and welcoming to our members. Respectfulness doesn't have to override the truth...but it can certainly partner with it.
They probably don't ask the card Issuer because they'll only get the truth that way. Because the truth just doesn't feel like the correct answer. So, what they are trying to determine is the truthiness of their question.
And for truthiness, asking 50 anonymous people on Myfico is probably the way to go.
Well this thread has gone left lolz... but yea i had already called the lender they told me no twice but i was hoping someone else had other experiences and maybe knew a backdoor that they slip through and got it ....