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Us bank visa CLI hard or sofrt pull

firefox100
Established Contributor

Us bank visa CLI hard or sofrt pull

 

I had called Us bank about to set up  5 percent earnings for next three months and just after having card for six months could I ask for cli with out a hard pull, thay told me that it could be soft pull but thay could do hard pull if thay need mo info.  Once you ask for cli you can't stop the process. You don't know if you will get hard pull or not. What is the expexperience with US bank and is ther any way to know if you are going to get hard pull.

Message 1 of 18
17 REPLIES 17
AnimalHouse121
Valued Contributor

Re: Us bank visa CLI hard or sofrt pull

Almost always a HP. Some people have had luck with only a SP if they ask for an increase under $1500, but not all. Expect a HP.
Message 2 of 18
Remedios
Moderator

Re: Us bank visa CLI hard or sofrt pull

Unless you get an email notifying you SP CLI is available, you should expect HP.
If you call for CLI and card is older than 6 months, CSR wont be able to tell you if it will be SP or HP.

Under 6 months HP, probably with poor results.
You could recon the amount but that will be another HP.

If you're a fan of SP CLIs, US Bank will be a sore disappointment in that respect.
Message 3 of 18
JR_TX
Valued Contributor

Re: Us bank visa CLI hard or sofrt pull

Expect a HP.
Learned that lesson last month when I only asked for $1K thinking it might be a SP.
Nope. HP!! Good thing they gave me $6K though.
Mission Accomplished on Dec 07 2020! Rebuild Complete!

New cc TLs : 1/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
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UTIL 1% - 3%

$236K+ Total Limits











Message 4 of 18
Meanmchine
Super Contributor

Re: Us bank visa CLI hard or sofrt pull


@Remedios wrote:
Unless you get an email notifying you SP CLI is available, you should expect HP.
If you call for CLI and card is older than 6 months, CSR wont be able to tell you if it will be SP or HP.

Under 6 months HP, probably with poor results.
You could recon the amount but that will be another HP.

If you're a fan of SP CLIs, US Bank will be a sore disappointment in that respect.

Im gonna file this information away for when Im no longer gardening


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 5 of 18
Remedios
Moderator

Re: Us bank visa CLI hard or sofrt pull


@Meanmchine wrote:

@Remedios wrote:
Unless you get an email notifying you SP CLI is available, you should expect HP.
If you call for CLI and card is older than 6 months, CSR wont be able to tell you if it will be SP or HP.

Under 6 months HP, probably with poor results.
You could recon the amount but that will be another HP.

If you're a fan of SP CLIs, US Bank will be a sore disappointment in that respect.

Im gonna file this information away for when Im no longer gardening


It's okay if you dont.  I love the sound of my own typing Smiley LOL

Message 6 of 18
SunriseEarth
Moderator Emeritus

Re: Us bank visa CLI hard or sofrt pull

Last time I called US Bank for CLI, I didn't actually provide a requested amount; they just offered me a $5K CLI.  I accepted, of course, and it was SP.   In the past, generally anything at $1500 or under was instant and SP, but anything over was not instant and required HP.

 

My recommendation would be to call in and, if they ask for a specific amount, keep it at $1500 or less.  If they offer you more before you ask for a specific amount, take it.

 



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Message 7 of 18
Meanmchine
Super Contributor

Re: Us bank visa CLI hard or sofrt pull

Has USBank gotten over their little game of giving $500 SLs ?


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 8 of 18
Saeren
Mega Contributor

Re: Us bank visa CLI hard or sofrt pull


@Meanmchine wrote:

Has USBank gotten over their little game of giving $500 SLs ?


Haven't seen one of those in awhile. Now they just deny the unworthy. 🤷‍♂️ 





Message 9 of 18
firefox100
Established Contributor

Re: Us bank visa CLI hard or sofrt pull

The question is why do some banks require hard pull to increase the credit line on account that thay allready have done a hard pull, and other banks such as synchrony , Bank of america and citi will go head an increase the credit line with soft pull only, why is this. Does bank get more info with a hard pull then if a soft pull is done. Is ther a legal reason or is because of risk managenemt. What is behind some banks use foft pull and others like barclay's will not increase line with a doing a hard pull?

Message 10 of 18
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