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Regular Contributor
jtc411
Posts: 169
Registered: ‎03-29-2012
0

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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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: Story time

CONGRATS! thats a great card :smileyhappy:

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

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%
Valued Contributor
navigatethis12
Posts: 1,954
Registered: ‎01-24-2012
0

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.


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