topic Re: Us bank platinum card in Credit Cards

Us bank platinum card

ld81 — Sat, 04 Jun 2011 01:47:52 GMT

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

Re: Us bank platinum card

score_building — Sat, 04 Jun 2011 03:35:10 GMT

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

Re: Us bank platinum card

MidnightVoice — Sat, 04 Jun 2011 15:03:59 GMT

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

Re: Us bank platinum card

Imhotrodcrazy — Sat, 04 Jun 2011 18:09:12 GMT

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.

Re: Us bank platinum card

tengtengvn — Sun, 05 Jun 2011 01:36:14 GMT

6 months & no hard pull.

Re: Us bank platinum card

Anonymous — Sun, 05 Jun 2011 02:02:22 GMT

@tengtengvn wrote:
6 months & no hard pull.

How true is that?

Re: Us bank platinum card

jaysdad2k — Sun, 05 Jun 2011 02:29:08 GMT

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.

Re: Us bank platinum card

tengtengvn — Sun, 05 Jun 2011 02:57:18 GMT

@Anonymous 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.

Re: Us bank platinum card

Anonymous — Sun, 05 Jun 2011 03:17:31 GMT

Is there a max you can request before they pull hard?

Re: Us bank platinum card

tengtengvn — Sun, 05 Jun 2011 03:30:11 GMT

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.

Re: Us bank platinum card

jaysdad2k — Sun, 05 Jun 2011 04:27:47 GMT

@Anonymous wrote:
Is there a max you can request before they pull hard?

"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."

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:01:02 GMT

Well, I pulled the trigger on a CLI. Asked for an even 3K to get me to 15K. We'll see. I really hope it isn't a hard or else I'm coming for you guys!!!

Re: Us bank platinum card

score_building — Tue, 07 Jun 2011 19:38:43 GMT

@Anonymous wrote:
Well, I pulled the trigger on a CLI. Asked for an even 3K to get me to 15K. We'll see. I really hope it isn't a hard or else I'm coming for you guys!!!

The upshot is that they generally will go up to 1500 sans HP, this has been the case with them for some time IIRC. I had forgot that and requested 4k b4 this thread refreshed my memory

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:19:52 GMT

oh Lord, now you tell me!

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:25:31 GMT

@jaysdad2k wrote:
@Anonymous wrote:
Is there a max you can request before they pull hard?
"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."

hey - I bet you'll be fine, mrshush. how many hard inquiries do you currently have?

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:31:15 GMT

@Anonymous wrote:
@jaysdad2k wrote:
@Anonymous wrote:
Is there a max you can request before they pull hard?
"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."

hey - I bet you'll be fine, mrshush. how many hard inquiries do you currently have?

Too many! 5 or 6 i think.

1 US Bank

2 Sallie Mae

1 Barclays

I think those are the ones that are still counting < 1 year.

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:51:31 GMT

Well, this varies all over the place, but last time I watched my inquiries (and nobody quote me on this because it is different for every single soul, every single time, apparently),

My 1st and 2nd inquiries cost me 0 points - nada.

Then, my third inquiry cost me 5 FICO points.

My fourth and fifth inquiry cost me 0 points - nada.

Then my sixth inquiry cost me 7 FICO points.

I'll cross my fingers that you get no FICO hit for this particular inquiry. But even if you did - that's a decent trade for the increased CL.

I do keep my inquiries down, but I don't think they're that damaging - especially for occasional CLI's on a very good card.

Was that other USBank inquiry for the opening of this card? How old is it? (sorry if you posted that and I failed to pick it up)

Re: Us bank platinum card

Anonymous — Tue, 07 Jun 2011 18:59:12 GMT

@Anonymous wrote:
Well, this varies all over the place, but last time I watched my inquiries (and nobody quote me on this because it is different for every single soul, every single time, apparently),

My 1st and 2nd inquiries cost me 0 points - nada.
Then, my third inquiry cost me 5 FICO points.
My fourth and fifth inquiry cost me 0 points - nada.
Then my sixth inquiry cost me 7 FICO points.

I'll cross my fingers that you get no FICO hit for this particular inquiry. But even if you did - that's a decent trade for the increased CL.
I do keep my inquiries down, but I don't think they're that damaging - especially for occasional CLI's on a very good card.

Was that other USBank inquiry for the opening of this card? How old is it? (sorry if you posted that and I failed to pick it up)

Thanks--I hope I don't add more to the tally either! Yes, the other inquiry was for the card opening in Nov. or Dec. of last year. (I didn't post it BTW)

Re: Us bank platinum card

tennisfan78 — Sun, 25 Sep 2011 00:49:59 GMT

Just curious, did you get Credit Limit increase that you have requested?

Re: Us bank platinum card

Anonymous — Sun, 25 Sep 2011 00:51:43 GMT

Nope!