Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: US Bank Platinum - CLI??

Mention the PC to select rewards. They are going to want to HP you, but make sure that you are clear you do not want that. Tell them if they want to keep your business they will do this for you. Explain that you are applying for a mortgage within the next year, and that you cannot have a HP on your CR.

 

Look forward to the update.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
Posts: 85
Registered: ‎04-04-2011
0

Re: US Bank Platinum - CLI??

So, spoke with someone at 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), explained what I wanted done 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+

Highlighted
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: US Bank Platinum - CLI??

Sorry about that. They always tell me $1,500 for SP. I am always wanting more than that so they HP.

 

Maybe better customer service comes with more higher tier accounts.

 

I know somebody who got a $2,000 auto increase on an account just a few months after opening it.

 

Sorry you got a load of BS from them. If you ever have more time to devote to it, I think you still have a chance if you manage to get to a competent agent.

Or just wait until after the mortgage and then app for cash+.
Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.