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Creditaddict wrote:no BofA has a cap at $250,000!!I have not heard what USbank's cap is
johnpalley wrote:
sorry for hijacking the thread
Scamp wrote:
johnpalley wrote:
sorry for hijacking the threadNo worries, jp, as I said to cheddar earlier. We ended up with a lot of great, useful info on here, between one thing and another! I hope you got your questions answered.Extra thanks to ocheosa for all the detailed info, and for everyone else who chimed in with questions, as y'all saved me having to think of and post them!US Bank claims '5 Star Service', and so far they've lived up to it - nice CSR's the couple times I called in to check app status, and my card arrived yesterday, just two days after approval on the 6th!!Purty card, too - a tiny bit of sparkle to it, nice deep blue and silver, very tasteful and classy.
Quick update:
ocheosa wrote:My 2nd card (worldperks signature) was issued 3/19/2008 - I called in on 5/18 to discuss the APR and while she couldn't lower the APR, and hit some button and said, you do qualify for a CLI today. She asked if I wanted it, I said yes. She again said, it usually will take 6 mos for a new account for a CLI approval but it popped up on my screen so there you are. BTW, the mileage program sucks! I am going to wait a year and product change.
called CS today (exactly 3 months since my last CLI) . Qualified for the interal CLI (no inq) and drumroll please "lowered the apr from 15% to 9.9%".... whoo hooo!!!
I've had exactly one charge on this card in May for $765 which I PD in full once statement cut.
If you can get in with US Bank - do it!!!
Woohoo! Way to go on the no-inq CLI and lowered APR!
ocheosa wrote:Quick update:
ocheosa wrote:My 2nd card (worldperks signature) was issued 3/19/2008 - I called in on 5/18 to discuss the APR and while she couldn't lower the APR, and hit some button and said, you do qualify for a CLI today. She asked if I wanted it, I said yes. She again said, it usually will take 6 mos for a new account for a CLI approval but it popped up on my screen so there you are. BTW, the mileage program sucks! I am going to wait a year and product change.called CS today (exactly 3 months since my last CLI) . Qualified for the interal CLI (no inq) and drumroll please "lowered the apr from 15% to 9.9%".... whoo hooo!!!
I've had exactly one charge on this card in May for $765 which I PD in full once statement cut.
If you can get in with US Bank - do it!!!
Scamp wrote:Woohoo! Way to go on the no-inq CLI and lowered APR!
Scamp: Thank you!! You have a proven track record of which to follow! I'm so happy you decided to pull the trigger and app! I'm sure you will also have a great relationship with USBank!
jessep28 wrote:
If you are a good customer, US Bank will deal with you. I've been a card holder for 5 years since I bank with them and they have always given me generous CLI and even lowered my interest rate to 1.99 + Prime.
jessep28 wrote:They usually did an auto CLI every 6 months. The last two looking at my available statements online show 2k increases.I probably should have received one in July but didn't. It doesn't matter anyways since I am at a very low utilization rate across the board.My credit line with them has gone from 1k or so when I opened the account in March 2003 to 18k today. This was my first credit card.US Bank can really screw you too if you are not careful. They were not nice to my brother, but he has trouble managing his finances.Hope that helps.
Message Edited by jessep28 on 08-19-2008 02:54 PM