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US Bank CLI

Established Contributor

US Bank CLI

DW has a US Bank Visa with a CL of $4100 which has been open for 5 years, she has never received nor requested a CLI.  Does anyone know if USBank is a hard or soft pull on CLI requests, and is there a way to do it automatically (ie online or through an automated system )  I don't see any CLI request link when I log into their web site.

About $215,000 total credit among 11 cards
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Contributor

Re: US Bank CLI

I just posted about this earlier today, actually.

 

I spoke with someone at US Bank underwriting and she told me that there’s nothing she could do about a CLI or a PC - and that I’d have to speak with Card Member Services. I spoke with a gentleman there, who was borderline clueless (he asked me what a hard pull was), I explained what I wanted done ( to request a credit limit increase with no hard pull) and after speaking with a supervisor he told me that it’s always a hard pull, no matter what, for any amount. Additionally, he told me that they manually review accounts every 2 years for automatic increases/decreases.

 

I said “no thanks”.

AMEX Blue Cash Everyday ($16,500) Capital One Quicksilver ($5000) : US Bank Platinum ($9000) : Kohls ($1500) : Dell Preferred ($2500) : Chase Freedom ($3500) : Citi Simplicity ($5500) : Victoria Secret Angel Card ($1950) : Express Store Card ($1700)

6/2013 Equifax Fico - 723 : Goal - 800+
3/2014 Transunion Fico - 723 : Goal - 800+
3/2014 Equifax Fico - 737 : Goal - 800+

Message 2 of 3
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Contributor

Re: US Bank CLI

Also, you can request a credit limit increase via your online account under "customer service".

 

AMEX Blue Cash Everyday ($16,500) Capital One Quicksilver ($5000) : US Bank Platinum ($9000) : Kohls ($1500) : Dell Preferred ($2500) : Chase Freedom ($3500) : Citi Simplicity ($5500) : Victoria Secret Angel Card ($1950) : Express Store Card ($1700)

6/2013 Equifax Fico - 723 : Goal - 800+
3/2014 Transunion Fico - 723 : Goal - 800+
3/2014 Equifax Fico - 737 : Goal - 800+

Message 3 of 3