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Wondering if anyone has had any luck with requesting a CLI on their US Bank Platinum card (or really any US Bank credit card) without a hard pull? I've had the card for almost 2 years and I have not yet received a CLI, either automatic or initiated.
From what I understand, they SP your report each month, but will still do a hard pull if you request an increase?
Should I try to PC to the Cash + card?
Any advice? Thanks!
@Xtina0508 wrote:Wondering if anyone has had any luck with requesting a CLI on their US Bank Platinum card (or really any US Bank credit card) without a hard pull? I've had the card for almost 2 years and I have not yet received a CLI, either automatic or initiated.
From what I understand, they SP your report each month, but will still do a hard pull if you request an increase?
Should I try to PC to the Cash + card?
Any advice? Thanks!
Call underwriting at 1-800-947-1444. Explain to them how long you have had the card without an increase. Tell them you do not want a HP on your credit report. They should be able to give you the $1500 increase needed to get the Select Rewards card. Cash+ will be a HP unless you already had a $3500 limit. Usually they can do $1500 increases with soft pulls.
I currently have a $2000 limit. If I could get them to give me $1500 without a HP, bringing my CL to $3500, would they PC to the Cash +? Hmmm. Thanks!
@Xtina0508 wrote:I currently have a $2000 limit. If I could get them to give me $1500 without a HP, bringing my CL to $3500, would they PC to the Cash +? Hmmm. Thanks!
Cash+ requires a $5,000 limit.
So get that increase to $3,500. You might be able to PC to select rewards. Then get that increased to $5,000 then you might be able to PC to Cash+. Each step will take 6 months.
Or be willing to take a HP and see if you can get the Cash+ in addition to your platinum card. If they decline call for recon, offer to close out the platinum card contingent on approval of the Cash+.
I'm attempting to purchase a house in the next year and do not want any HPs on the report. I have 2 from July 2012 (one of EQ and one on EX) - but other than that, they are clear and I'd rather them stay that way When I applied for my USB CC, they HPd my Equifax TWICE! I don't want that happening again. SOOO, I think I'll test my luck with asking for an CLI with a SP.
@Xtina0508 wrote:I'm attempting to purchase a house in the next year and do not want any HPs on the report. I have 2 from July 2012 (one of EQ and one on EX) - but other than that, they are clear and I'd rather them stay that way When I applied for my USB CC, they HPd my Equifax TWICE! I don't want that happening again. SOOO, I think I'll test my luck with asking for an CLI with a SP.
Yes, they sure do like to HP. They will never garantee you a soft pull, but will say usually under $1500 is a soft pull.
That still makes me nervous. Daaaaannng
Call underwriting and see if they can process the request while you are still on the phone. Don't allow an automated system to do a HP. Just be very clear you do not want a HP on your CR.
Thanks for the advice! Will try on my lunch and update!