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Member
ld81
Posts: 15
Registered: ‎01-17-2011

Us bank platinum card

Is us bank platinum card a prime card?I just got one n how long I can increase credit limit ?thank u guys
Senior Contributor
score_building
Posts: 3,497
Registered: ‎01-10-2008

Re: Us bank platinum card

US Bank issues 'prime' cc, a reliable lender generally a good bank to get in with due to v. good cs.  IIRC they like at least 6 mos b4 considering CLI requests


ld81 wrote:
Is us bank platinum card a prime card?I just got one n how long I can increase credit limit ?thank u guys



FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007

Re: Us bank platinum card

It is a good card - I had one, but this week they changed it to a "FlexPerks cash rewards" card

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Valued Contributor
Imhotrodcrazy
Posts: 1,378
Registered: ‎03-11-2009

Re: Us bank platinum card

I have both cards, Flex and Plat.  Not sure about how long you need to wait to get a CLI.  I got very good lines and never needed more, so I really can't say.  Great cards and a great bank.  They are my prime users.  I also like the way they have their on-line banking set up. 

FICOS
TU 828 7/3/14
EX 797 7/6/14
EQ 748 7/10/14

Cash+ 19.5 / Amex 16.5 / US Bank loc 15k / Chase Freedom 10.6k
Regular Contributor
tengtengvn
Posts: 249
Registered: ‎01-18-2009

Re: Us bank platinum card

6 months & no hard pull.

What's in your wallet?
-Not Capital One.
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008

Re: Us bank platinum card


tengtengvn wrote:

6 months & no hard pull.


How true is that?
Frequent Contributor
jaysdad2k
Posts: 368
Registered: ‎02-07-2008

Re: Us bank platinum card

I have the Kroger card since May 2009. They started me with 6000. A few months later I called in and they said they could raise me to 7500 with no hard pull. I've spoken with US Bank CSR's a few times since November. One told me that they would eventually get the opening dates straight, and it seems they have.

 

Last month I called in and asked about a CLI. The CSR said that he could submit a request for up to 1500 with no hard pull. He submitted and said that I would be getting a letter. Then he went, Oh! It's already approved! He seemed surprised that it was pretty much instant. He added that the form on the website is the same as the one he does, and that a CLI request up to 1500 can be done without a hard pull.

 

Two days later the new 9000 CL showed, and I did get a letter a week later congratulating me on managing my card. I have waited a full month and no sign of any hard pulls by US Bank. As always, YMMV.

 

 

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Regular Contributor
tengtengvn
Posts: 249
Registered: ‎01-18-2009

Re: Us bank platinum card

 


MrShush wrote:

tengtengvn wrote:

6 months & no hard pull.


How true is that?

That's how I got CLI on 3 cards I have with them. Will ask for CLI again next month.

What's in your wallet?
-Not Capital One.
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008

Re: Us bank platinum card

Is there a max you can request before they pull hard?
Regular Contributor
tengtengvn
Posts: 249
Registered: ‎01-18-2009

Re: Us bank platinum card

I got 2 CLI for my Platinum card and Bed Bath & Beyond card on one phone call.

Few months later when my FlexPerks cards hit 6 months mark, I called for CLI. Again, no hard pull.

What's in your wallet?
-Not Capital One.

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