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Frequent Contributor
n777ua
Posts: 473
Registered: ‎05-29-2011

US Bank CLI

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‎10-11-2012 02:10 PM

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.

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex) Chase United $5k, Chase Sapphire Preffered $21k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $6k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $3.4k, GE Lowes $6k, BillMeLater $4k, Target $.2k, CapOne $.5k Von Maur NPSL,
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Xtina0508
Posts: 70
Registered: ‎04-04-2011

Re: US Bank CLI

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‎10-11-2012 02:23 PM

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”.

Capital One ($5000) : US Bank Platinum ($5000) : Kohls ($1000) : Dell Preferred ($2500) : Chase Slate ($3500) : Citi Simplicity ($3000) : Victoria Secret Angel Card ($750) : Express Store Card ($500)

3/2012 Transunion Fico - 694 : Goal - 800
6/2012 Transunion Fico - 713 : Goal - 800
9/2012 Transunion Fico - 742 : Goal - 800+
5/2012 Equifax Fico - 691 : Goal - 800
5/2012 Experian Fico - 697 : Goal - 800
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New Contributor
Xtina0508
Posts: 70
Registered: ‎04-04-2011

Re: US Bank CLI

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‎10-11-2012 02:24 PM

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

 

Capital One ($5000) : US Bank Platinum ($5000) : Kohls ($1000) : Dell Preferred ($2500) : Chase Slate ($3500) : Citi Simplicity ($3000) : Victoria Secret Angel Card ($750) : Express Store Card ($500)

3/2012 Transunion Fico - 694 : Goal - 800
6/2012 Transunion Fico - 713 : Goal - 800
9/2012 Transunion Fico - 742 : Goal - 800+
5/2012 Equifax Fico - 691 : Goal - 800
5/2012 Experian Fico - 697 : Goal - 800
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