Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 85
Registered: ‎04-04-2011
0

US Bank Platinum - CLI??

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!

 

 

 

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+

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

Re: US Bank Platinum - CLI??

[ Edited ]



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.

 

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??

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!

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+

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

Re: US Bank Platinum - CLI??


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.

 

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

Re: US Bank Platinum - CLI??

[ Edited ]

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+.

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??

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 Smiley Happy 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.

 

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+

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

Re: US Bank Platinum - CLI??


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 Smiley Happy 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.

 

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??

That still makes me nervous. Daaaaannng Smiley Frustrated

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+

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

Re: US Bank Platinum - CLI??

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.

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??

Thanks for the advice! Smiley Happy Will try on my lunch and update!

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+

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.