US Bank Cash + Visa Signature Granted with No HP!

[trishdadish]

OK, the backstory is: Last Oct., I applied for a Cash +, but was given a Rewards card with a $2,000 limit. Then, a month later (my score had risen substantially), I called US Bank back, and asked them if I couldn't have a CLI to $5,000, and an upgrade to Cash +. NO!!! And to add insult to injury, they pulled my credit again!

So I had only been making smallish purchases, and PIFing ever since then. In May, they gave me an automatic CLI to $5,000. I've also begun getting weekly balance transfer offers from them.

I called them today to see what was up with the balance transfer deal that they have. During the course of the conversation, I mentioned how I never use the card due to my lingering resentment over not getting Cash +, plus the simple fact that some of my other cards offer better rewards.

The guy told me that I could change out my card right now---that I had been pre-approved, that he could see this in their system. He told me that no hard pull would be needed, and that when I activated the new Cash + card, that this would de-activate the Rewards card. I agreed. I am so happy! I thought that every time that you went to a new product with US Bank, that they HP'd you first.

So the moral of this story is: IF you already have a 5K limit with US Bank, and you do not have the Cash + but would like to get it, call. It may very well just be sitting there waiting for you!

[FinStar]

For US Bank PC, it's customarily no HP.  Only HP would occur for initiated requests for CLI (in most instances), unless the system has a pre-approved amount for CLI (via SP).

[resilient]

---

@trishdadish wrote:

OK, the backstory is: Last Oct., I applied for a Cash +, but was given a Rewards card with a $2,000 limit. Then, a month later (my score had risen substantially), I called US Bank back, and asked them if I couldn't have a CLI to $5,000, and an upgrade to Cash +. NO!!! And to add insult to injury, they pulled my credit again!

So I had only been making smallish purchases, and PIFing ever since then. In May, they gave me an automatic CLI to $5,000. I've also begun getting weekly balance transfer offers from them.

I called them today to see what was up with the balance transfer deal that they have. During the course of the conversation, I mentioned how I never use the card due to my lingering resentment over not getting Cash +, plus the simple fact that some of my other cards offer better rewards.

The guy told me that I could change out my card right now---that I had been pre-approved, that he could see this in their system. He told me that no hard pull would be needed, and that when I activated the new Cash + card, that this would de-activate the Rewards card. I agreed. I am so happy! I thought that every time that you went to a new product with US Bank, that they HP'd you first.

So the moral of this story is: IF you already have a 5K limit with US Bank, and you do not have the Cash + but would like to get it, call. It may very well just be sitting there waiting for you!

---

WTG! I. like you, was aproved for Cash Rewards last October. Used the card twice, sockdrawered it for months. On month 6, I asked for a PC. Said no, so I apped for the Cash + over the phone. Was approved again for the Cash Rewards. Mad, I called an analyst to review my app and see if I could get the Cash +. Two days later, he called back and combined my two credit lines, and sent me the Cash +. Worked hard for it lol