I saw a post earlier about USBanks reserve line of credit. The past few times I've been in I've been asked my the teller if I'd like to sign up for the reserve line, but I've repeatedly told them I'm not interested. I've been a customer of USBank for about two years. My current scores are below with a derog showing on my report from June 2011. Are they asking me because I'm pre-approved or are they just trying to make a sale? My current scores are below.