US Bank CLI -- FYI

[Imhotrodcrazy]

I received my June statement today and was looking it over when I noticed it said that I was eligible for a $4000 CLI.  While I don't really need any more credit from them, I decided to call them just for kicks.  I was curious if a soft or hard inquiry was involved.  The CSR told me it would be a hard inquiry.  I thanked him  for his time and hung up since I didn't  need the increase.  I just thought I would pass this info along to all of you in case you were thinking  about applying for CLI. 

[Scuba]

Where on the statement did it say your were eligible for a CLI? 

[jj10939]

That sounds weird..if you were eligible for an increase, why didn't they just raise it on their own instead of asking you to call in and request it?  haha

[DI]

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@jj10939 wrote:

That sounds weird..if you were eligible for an increase, why didn't they just raise it on their own instead of asking you to call in and request it?  haha

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That's the same thing I was thinking.  US Bank is full of it!!

[Imhotrodcrazy]

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@Scuba wrote:

Where on the statement did it say your were eligible for a CLI? 

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It shows on page 3 of my statement at the top under  the caption "important messages."

[Imhotrodcrazy]

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@jj10939 wrote:

That sounds weird..if you were eligible for an increase, why didn't they just raise it on their own instead of asking you to call in and request it?  haha

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I am sure they are just being cautious in today's market.   I did not want to burn an inquiry for the CLI, since I am inquiry free across the board.   The $4,000 increase wasn't worth it to me. 

[Imhotrodcrazy]

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@DI wrote:

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That's the same thing I was thinking.  US Bank is full of it!!

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IMO, US Bank has been the best bank I have ever dealt with.   Over the years I  have had several mortgages, savings and checking accounts, cc's and loc.  They are always polite and respectful on the phone or when I visit the bank in person.  It's one of the few places that call me by my name even before I get to the tellers window.  They are pleasure to deal with.   We can't always get what we want, when we want it.

[brian2220]

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@Imhotrodcrazy wrote:

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@DI wrote:

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That's the same thing I was thinking.  US Bank is full of it!!

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IMO, US Bank has been the best bank I have ever dealt with.   Over the years I  have had several mortgages, savings and checking accounts, cc's and loc.  They are always polite and respectful on the phone or when I visit the bank in person.  It's one of the few places that call me by my name even before I get to the tellers window.  They are pleasure to deal with.   We can't always get what we want, when we want it.

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i get the same treatment and its nice to see it 

its amazing how good us bank is, its a welcome change coming from a terriable cu

my only disappointment with them was a 23.99% interest credit card

but i got approved with 5 inq on ex and 4 new accounts