Advice for US Bank CLI

[Anonymous]

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@Creditaddict wrote:

I would call underwriting, don't go through CS. It will be HP but I would be steaming mad if I kept a $300 card for 2 years and they won't at least match your current highest... and I think I would actually want even more than that!

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Hey thanks for the advice.  I don't mean to sound stupid, but I am not exactly sure what to say.  I was given a direct line for underwriting by my banker, when I called it just now, once I explained I was upset with my credit line after having been a customer (who has PIF every month for 27+ months) and never getting a credit increase the rep explained that she could not help me but that she could transfer me to cardmember services.  So what should I be saying or doing differently here?

[Anonymous]

I went ahead an applied for a CLI, they will have a yes or no on Thursday.  If it is "no" I will go down the recon path through the Backdoor numbers.  

[Anonymous]

I have had my US Bank Secured credit card for 3 years and it has yet to graduate. Even my Orchard Bank credit card graduated in less time than that!

I checked my credit report back in Februrary and it looks like US Bank did a soft pull back in December.  I realize that people have to have secured cards for a reason, but you would think with 3 years of spending pattern information and a clean history that you would get the nod. Even Capital One gave me more increases (from $500 to $750 to $2750).

[Anonymous]

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@Anonymous wrote:

I have had my US Bank Secured credit card for 3 years and it has yet to graduate. Even my Orchard Bank credit card graduated in less time than that!

I checked my credit report back in Februrary and it looks like US Bank did a soft pull back in December.  I realize that people have to have secured cards for a reason, but you would think with 3 years of spending pattern information and a clean history that you would get the nod. Even Capital One gave me more increases (from $500 to $750 to $2750).

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I would call them.  I had to call them for them to graduate my card.  Otherwise they will keep charging you the AF and hope you don't notice.  However they were stingy with me on my unsecured limit.  I agree, Cap 1 gave me a much higher limit than US Bank, but I just applied for a CLI yesterday, I will let you know what happens and keep you posted on my progress.  Good luck with it, US Bank sure doesn't make the info regarding the secured card very easy to find.

[Anonymous]

When your card "graduated" was it a soft pull or a hard pull?  

I'm asking because I got a Barclay's card a few months ago (Travelocity AMEX) so I'm worried that if US Bank does a hard pull, that Barclays will close my card for opening an account too soon.

[Anonymous]

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@Anonymous wrote:

When your card "graduated" was it a soft pull or a hard pull?  

I'm asking because I got a Barclay's card a few months ago (Travelocity AMEX) so I'm worried that if US Bank does a hard pull, that Barclays will close my card for opening an account too soon.

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They did do a HP when they "graduated" the card.  However as of today...my limit was increased to $1000.  Wanted to update the thread.