@Anonymous wrote:
@zerofire wrote:I do not believe you got bucketed. It seams to me that the bank you are dealing with has its priorities messed up. Now for starters you did not put a name for said bank so we cannot match your experience with our background until you do. What we can say is that banks have to list a denial reason and in this case either this bank is pulling at straws to deny you or they truly value loans more than credit cards. I also have to say that they are more likely to deny if you do not use what they offer enough. Even if the limit is a measly 1k they might think that they need to see a higher percentage before any increases.
Based on my research it is a high probability that the bank you are referring to is either Capitol Bank or First Tennessee Bank. If it truly is one of those then I can understand as their management company is heavy on loans, investments, and business banking. Credit cards are only there to fill in the gaps.
Ding. Easy enough to find the bank, I tend not to name local locations to myself... Old habit from years ago, whole anonymous thing.
Remember we always said, never talk to people on the internet, and never get in cars with strangers? Now we literally summon strangers from the internet to get into their cars. (I have never and no desire to use Uber/Lyft/or even a cab)
Besides, isn't it more fun to follow the breadcrumbs like you did? I figured they were likely more of a loan type bank and/or business oriented. How else could they have good checking account offers, measly credit card offers, yet still profit? I do find it funny I can use any of their portals to log in, it's all just branding now.
EDIT: Branding vs product apparently! Capital Bank has higher savings interest rates by a long shot.
That depends on if you want this community to spend our time and resources following your breadcrumbs or helping you with your issue. 
FWIW, even the smallest retail bank will have tens of thousands (if not hundreds of thousands) of customers, so there's little to be concerned about with sharing the name up-front.
I appreciate anonymity as much as the next guy (the myFICO Terms of Service actually requires it), but if you're not comfortable at least sharing the name of the bank you're having issues with perhaps a public forum isn't the best source of assistance for you.
@Gmood1 wrote:
OP as AJC says, it may be time to branch out.
I stopped banking local 10 years ago. Every bank or CU I deal with now is in another state or on the internet only.
You'd be surprised how different they operate. Sometimes the size of the FI means nothing. Just kicked Citibank to the curb today!😂
My local CU sucked. Your bank reminds me of them lol
I'd research a replacement, if I were in your shoes.
Ally bank mentioned by another poster, is a terrific online bank!
There are many many more that would be glad to get your business.
+1
For years I was a fan of local banking (and I'm not against it even now), but I've found that larger banks tend to be able to serve my needs better these days.
There's something to be said for being on the other side of the country and being able to walk into a branch and be treated like a "local". 
I still get paid via paper check. Youd better believe if i got direct deposit id be snatching away $300 Boa is dangling in front of my face like a carrot.
.
Trolol... Today I get emailed mortgage and refinance offers from them. Nah, you're just my bank now, not my lender.
Edit: Haven't found any comparable checkings offerings, but I definitely wouldn't mind moving savings to a higher % yield. Ally looks pretty good, anyone have a savings with them and can chime in?
Edit: Haven't found any comparable checkings offerings, but I definitely wouldn't mind moving savings to a higher % yield. Ally looks pretty good, anyone have a savings with them and can chime in?