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Established Contributor
Posts: 742
Registered: ‎12-19-2008
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US Bank CLI

[ Edited ]

First I want to thank all of the members of this forum for the accurate and valuable information posted here! Without this this information my current credit scores would not be close to what they are now. The unselfish help has been very much appreciated.

 

I have had a US Bank cc for 6 months with an 8k credit line. If I request a CLI will they do a hard pull or soft?

 

Thank you in advance.

 

My current Fico scores are: EQ 782 TU 790 EX not interested in their game

 

 

Message Edited by plasticman on 07-22-2009 11:26 AM
Frequent Contributor
Posts: 372
Registered: ‎06-15-2007
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Re: US Bank CLI


plasticman wrote:

First I want to thank all of the members of this forum for the accurate and valuable information posted here! Without this this information my current credit scores would not be close to what they are now. The unselfish help has been very much appreciated.

 

I have had a US Bank cc for 6 months with an 8k credit line. If I request a CLI will they do a hard pull or soft?

 

Thank you in advance.

 

My current Fico scores are: EQ 782 TU 790 EX not interested in their game

 

 

Message Edited by plasticman on 07-22-2009 11:26 AM

At the 6 month mark its an auto soft CLI of $1,500 issued through customer service. Just call the number on the back of your card and ask the rep if you are eligible for a CLI. When they hit a button it will pop up on their screen.

You can call in every 6 months (used to be every 3 before the crunch).

 

If you want more than $1,500 you have to call the credit department and its a hard inquiry. At this time the credit department would probably require the card to be atleast 9mos-1 year old before issuing large increases.

 

Good luck! I happen to be a US Bank fan!

01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: US Bank CLI

Ocheosa, thank you very much for the reply!
Established Contributor
Posts: 662
Registered: ‎09-07-2007
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Re: US Bank CLI

Sounds like I need to give Us bank a call tomorrow:smileyvery-happy:
Advice is what we ask for when we already know the answer but wish we didn't.
Frequent Contributor
Posts: 372
Registered: ‎06-15-2007
0

Re: US Bank CLI

You are quite welcome and good luck to you both on your CLI's.
01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
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