Truist CLI request

[user979797]

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?

[Heatt99]

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.

GL

[Shooting-For-800]

GL.

Seems silly to take 2 days.  

[user979797]

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. 

[ButtercremeQueen]

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@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. 

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Was the request granted? 

[user979797]

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@ButtercremeQueen wrote:

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@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. 

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Was the request granted? 

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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.

[FinStar]

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@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?

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

[FinStar]

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@user979797 wrote:

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@ButtercremeQueen wrote:

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@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. 

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Was the request granted? 

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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.

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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🤞

[ocheosa]

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@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?

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@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 !

[user979797]

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