Us bank visa CLI hard or sofrt pull

[firefox100]

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.

[Anonymous]

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.

[Remedios]

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.

[JR_TX]

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.

[Meanmchine]

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@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.

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

[Remedios]

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@Meanmchine wrote:

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@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.

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

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

[SunriseEarth]

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.

[Meanmchine]

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

[Anonymous]

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@Meanmchine wrote:

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

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

[firefox100]

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?