topic Re: Truist CLI request in Credit Card Applications

Truist CLI request

user979797 — Mon, 09 Jan 2023 14:38:13 GMT

I contacted Truist to request a CLI on my credit card account. I was advised they like the account to be at least 12 months old but that I can apply now If i choose to (mine is 6 months old). They asked questions and submitted the request then advisd it would take up to 2 days for me to find out if it was approved or not and that i would be notified by email and regular mail. They did not say anything about it being a hard pull but I know Truist does hard pull for CLI requests.

Is this the typical process with Truist when you request a CLI with them or does this mean I was probably denied?

Re: Truist CLI request

Heatt99 — Mon, 09 Jan 2023 14:52:17 GMT

I assume that is the normal process. If approved you should see it in your account within 4 to 5 days.

What is your CL? I hope you asked for the moon based on it being a HP. I think I seen one OP having a limit of 9k and asking for 25k with success.

Do share your DP, as there's not much on Truist CLI's.

Re: Truist CLI request

Shooting-For-800 — Mon, 09 Jan 2023 15:01:30 GMT

GL.

Seems silly to take 2 days.

Re: Truist CLI request

user979797 — Mon, 09 Jan 2023 16:13:30 GMT

My current credit line with Truist is 5K. I asked for a 4K increase as I was too chicken to try for more than that. My equifax score is 720 and my current truist balance is around 30% I have 6 inquiries and have put heavy usage through this card the 6 months ive had it. Just got an email from Truist saying Thank you for applying for a BBT card creditline increase.

Re: Truist CLI request

ButtercremeQueen — Mon, 09 Jan 2023 20:13:40 GMT

@user979797 wrote:
My current credit line with Truist is 5K. I asked for a 4K increase as I was too chicken to try for more than that. My equifax score is 720 and my current truist balance is around 30% I have 6 inquiries and have put heavy usage through this card the 6 months ive had it. Just got an email from Truist saying Thank you for applying for a BBT card creditline increase.

Was the request granted?

Re: Truist CLI request

user979797 — Mon, 09 Jan 2023 20:55:16 GMT

@ButtercremeQueen wrote:
@user979797 wrote:
My current credit line with Truist is 5K. I asked for a 4K increase as I was too chicken to try for more than that. My equifax score is 720 and my current truist balance is around 30% I have 6 inquiries and have put heavy usage through this card the 6 months ive had it. Just got an email from Truist saying Thank you for applying for a BBT card creditline increase.
Was the request granted?

I am still waiting I have no idea if the request was granted yet or not i'll update when I hear back from them should be within 2 days.

Re: Truist CLI request

FinStar — Mon, 09 Jan 2023 20:54:06 GMT

@user979797 wrote:
I contacted Truist to request a CLI on my credit card account. I was advised they like the account to be at least 12 months old but that I can apply now If i choose to (mine is 6 months old). They asked questions and submitted the request then advisd it would take up to 2 days for me to find out if it was approved or not and that i would be notified by email and regular mail. They did not say anything about it being a hard pull but I know Truist does hard pull for CLI requests.

Is this the typical process with Truist when you request a CLI with them or does this mean I was probably denied?

Yes, that is their standard process. Keep us posted.

Re: Truist CLI request

FinStar — Mon, 09 Jan 2023 20:57:42 GMT

@user979797 wrote:
@ButtercremeQueen wrote:
@user979797 wrote:
My current credit line with Truist is 5K. I asked for a 4K increase as I was too chicken to try for more than that. My equifax score is 720 and my current truist balance is around 30% I have 6 inquiries and have put heavy usage through this card the 6 months ive had it. Just got an email from Truist saying Thank you for applying for a BBT card creditline increase.
Was the request granted?
I am still waiting I have no idea if the request was granted yet or not i'll update when I hear back from them should be within 2 days.

If the online account portal doesn't reflect the change within 72 hours then it's likely it wasn't approved. Hopefully, you'll hear something positive🤞

Re: Truist CLI request

ocheosa — Mon, 09 Jan 2023 23:09:21 GMT

@user979797 wrote:
I contacted Truist to request a CLI on my credit card account. I was advised they like the account to be at least 12 months old but that I can apply now If i choose to (mine is 6 months old). They asked questions and submitted the request then advisd it would take up to 2 days for me to find out if it was approved or not and that i would be notified by email and regular mail. They did not say anything about it being a hard pull but I know Truist does hard pull for CLI requests.

Is this the typical process with Truist when you request a CLI with them or does this mean I was probably denied?

@user979797 as noted above this is the process. I waited 14mos before requesting a CLI. The CL was updated on the website the following afternoon.

Just as a DP: the CSR told me it would be a SP because they used the same method as applying for a new card. I said great, never received any alerts so thought she was correct. But then I received a price you pay letter, pulled my EQ report and it was actually a hard inquiry. I've had this happen in the past, cant remember which bank, where you don't receive any alerts but there was actually a hard inquiry. Maybe it's the way they request the report? SP to review, HP if approved? Have no clue.

Anyway, good luck on your CLI !

Re: Truist CLI request

user979797 — Tue, 10 Jan 2023 03:45:14 GMT

I got a hard pull on Equifax from Truist. I hope it has a good outcome

Re: Truist CLI request

markbeiser — Wed, 11 Jan 2023 09:56:53 GMT

I'll be waiting until I've had the cards for more than 12 months before I request a CLI with them.
I don't mind taking the HP when I do, I used a loophole to get 2 cards with them on a SP, so kinda owe them a HP anyway.

Re: Truist CLI request

user979797 — Wed, 11 Jan 2023 15:53:34 GMT

My request for a increase was denied and I will be getting a letter in 7 days letting me know the reason... now I wish I had waited the full 12 months

Re: Truist CLI request

FinStar — Wed, 11 Jan 2023 21:29:14 GMT

Keep us posted on the denial reason(s). Your DPs can help others in the community since there aren't a whole lot of DPs on TRUIST CLIs.

Re: Truist CLI request

hackersmovie — Thu, 12 Jan 2023 16:54:29 GMT

@FinStar wrote:
Keep us posted on the denial reason(s). Your DPs can help others in the community since there aren't a whole lot of DPs on TRUIST CLIs.

Having just got a Truist Enjoy Cash last month, I will be following this thead to find out...

Re: Truist CLI request

user979797 — Tue, 17 Jan 2023 04:26:42 GMT

Denial reason: Total of all balances on bankcard or revolving accounts is too high. Additional data point: it now shows I am not pre qualified for any of their cards when I was just 2 weeks ago.

I did recently utilize one of my cards limit by 39% from the usual 0% to take advantage of a balance transfer offer and I guess Truist did not like the larger than normal increase in my reported debt load (Over 5K extra). I'll try again after I have taken advantage of the offer and repaid most or all of the debt. I'll see if my pre approvals are back first and if they are then I will submit another CLI request and report what the outcome is at that time.

Re: Truist CLI request

Deedee_ — Fri, 13 Mar 2026 16:16:43 GMT

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