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Story time

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Regular Contributor

Story time

So on my mini app spree I was declined for the us bank cash+ card and given the lame 1% rewards card. Well I refinance my car thru us bank last week at 2% and they give me a 15k premier line of credit. I'm like **bleep**. I sign for my car loan and the banker says she got a note that I was pre qualified for the cash+. I tell her I was already declined for it. She says let's do it anyway since it will go thru on the same credit pull so I agree. Log on to online banking today and see my 1500 CL is now blank and it gives me the options to select my bonus catagories. I'm like awesome so I call to confirm and yep they took the original account and pc'd it to the cash plus, the weird part is they kept my CL at 1500. So I have a sig cash plus with a 1500 CL. What gives??


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


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Message 1 of 6
5 REPLIES
Mega Contributor

Re: Story time


jtc411 wrote:

So on my mini app spree I was declined for the us bank cash+ card and given the lame 1% rewards card. Well I refinance my car thru us bank last week at 2% and they give me a 15k premier line of credit. I'm like **bleep**. I sign for my car loan and the banker says she got a note that I was pre qualified for the cash+. I tell her I was already declined for it. She says let's do it anyway since it will go thru on the same credit pull so I agree. Log on to online banking today and see my 1500 CL is now blank and it gives me the options to select my bonus catagories. I'm like awesome so I call to confirm and yep they took the original account and pc'd it to the cash plus, the weird part is they kept my CL at 1500. So I have a sig cash plus with a 1500 CL. What gives??


Congrats on the PC!!

 

I'd call back in and see if they can work out a 5k line for you.

 




EQ FICO 548 3/3/16
Message 2 of 6
Regular Contributor

Re: Story time

CONGRATS! thats a great card Smiley Happy

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 3 of 6
Senior Contributor

Re: Story time

Hm... Sounds like you got hooked up!!! Time for you to go out and help the economy!!! Hahha jk :-)

Congrats on what appears to be a great FICO:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 6
Valued Contributor

Re: Story time

The dash indicates NPSL, but it will likely report $5,000 on your credit report.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 5 of 6
Valued Contributor

Re: Story time


Dustink wrote:

The dash indicates NPSL, but it will likely report $5,000 on your credit report.


I was going to say this. Maybe the system had not fully updated it for the representative to see the new limit.

Message 6 of 6