topic Re: US Bank Platinum - CLI?? in Credit Cards

US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 15:37:00 GMT

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!

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 15:44:28 GMT

@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.

Re: US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 15:45:44 GMT

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!

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 16:01:01 GMT

@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.

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 16:04:18 GMT

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+.

Re: US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 16:11:59 GMT

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 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.

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 16:15:15 GMT

@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 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.

Re: US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 16:19:31 GMT

That still makes me nervous. Daaaaannng

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 16:54:03 GMT

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.

Re: US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 16:56:17 GMT

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

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 17:00:09 GMT

Mention the PC to select rewards. They are going to want to HP you, but make sure that you are clear you do not want that. Tell them if they want to keep your business they will do this for you. Explain that you are applying for a mortgage within the next year, and that you cannot have a HP on your CR.

Look forward to the update.

Re: US Bank Platinum - CLI??

Xtina0508 — Thu, 11 Oct 2012 17:46:17 GMT

So, spoke with someone at underwriting and she told me that there’s nothing she could do about a CLI or a PC - and that I’d have to speak with Card Member Services. I spoke with a gentleman there, who was borderline clueless (he asked me what a hard pull was), explained what I wanted done and after speaking with a supervisor he told me that it’s always a hard pull, no matter what, for any amount. Additionally, he told me that they manually review accounts every 2 years for automatic increases/decreases.

I said “no thanks”.

Re: US Bank Platinum - CLI??

Anonymous — Thu, 11 Oct 2012 17:56:56 GMT

Sorry about that. They always tell me $1,500 for SP. I am always wanting more than that so they HP.

Maybe better customer service comes with more higher tier accounts.

I know somebody who got a $2,000 auto increase on an account just a few months after opening it.

Sorry you got a load of BS from them. If you ever have more time to devote to it, I think you still have a chance if you manage to get to a competent agent.

Or just wait until after the mortgage and then app for cash+.