SO aggravated at USBank.

[Anonymous]

I've had a US Bank Platinum for about 2 years now. I requested a CLI cause it has been a while. No HP disclaimer in the mobile site at all. Eveey other card I have-- Chase, Discover, Citi, Cap 1 AND AmEx have a pop up disclaimer before you submit stating if they are doing an HP (Cap1 might always have it. I can't recall). 

Not only did they do a HP-- they did it TWICE. TU already confirmed it is two separate pulls. If I'd gotten a HP pop up or disclaimer, I would have absolutely not clicked submit. However there is absolutely NO reason to pull it two times. The information they received absolutely did not change over 30 seconds. 

Additionally, taking a closer look-- it seems they did the same thing in April 2020 when they added my husband to my card as responsible party. TU confirmed as well that this was two separate pulls that time as well. This is SO aggravating-- it isn't even the 5 point hit I took (that will be easily recovered). It's the principle. By asking for a CLI they doubly penalized me unnecessarily and TU has advised they will not remove the pulls. 

Has anyone else had this issue?

[Remedios]

---

@Anonymous wrote:

I've had a US Bank Platinum for about 2 years now. I requested a CLI cause it has been a while. No HP disclaimer in the mobile site at all. Eveey other card I have-- Chase, Discover, Citi, Cap 1 AND AmEx have a pop up disclaimer before you submit stating if they are doing an HP (Cap1 might always have it. I can't recall). 

Not only did they do a HP-- they did it TWICE. TU already confirmed it is two separate pulls. If I'd gotten a HP pop up or disclaimer, I would have absolutely not clicked submit. However there is absolutely NO reason to pull it two times. The information they received absolutely did not change over 30 seconds. 

Additionally, taking a closer look-- it seems they did the same thing in April 2020 when they added my husband to my card as responsible party. TU confirmed as well that this was two separate pulls that time as well. This is SO aggravating-- it isn't even the 5 point hit I took (that will be easily recovered). It's the principle. By asking for a CLI they doubly penalized me unnecessarily and TU has advised they will not remove the pulls. 

Has anyone else had this issue?

---

In mobile app, when you get to 3rd screen where you review all info entered, right above "Submit my request" they spell out you are authorizing them to perform HP. It's there, and it's always been there. 

[Anonymous]

Then their app has an error. It wasn't on there-- there was the info and then submit. That's it.  And a double pull seconds apart is certainly unreasonable. I could understand if it was a day or two apart because underwriting wanted to review-- but I got the alerts back to back.  

[Remedios]

---

@Anonymous wrote:

Then their app has an error. It wasn't on there-- there was the info and then submit. That's it.  And a double pull seconds apart is certainly unreasonable. I could understand if it was a day or two apart because underwriting wanted to review-- but I got the alerts back to back.  

---

Most likely you got alert from two different CMS about a single pull. If you got two pulls, you can reach out to them to remove second one, or you can check via wallet hub which offers daily TU report and check number of pulls 

HP disclaimer is there, you can repeat the process up to that screen and you will see it now that you know where to look. 

While in some instances they will approve SP CLIs, HP is the norm (since always). 

[Anonymous]

When asking for a CLI from any issuer, only do so if you're okay with taking a HP for it, then you never have unhappy surprises. These policies change constantly and while it's great when you don't take a HP, you ARE asking for more credit which is what HPs are for. 

If they truly did pull you twice, contact them and they should fix it as Remedios said. 

[Anonymous]

That sucks. Not sure how they operate. Seems like they do soft pull CLIs sometimes, I have seen it reported here. I locked my reports and attempted a CLI for my Cash+ at 7  mos. They tried to pull TU, sent me a letter via snail mail to unfreeze TU, which I did not do, and that ended in no CLI.

The card is well over a year old now, so i tried the same thing this morning, they tried to pull TU and I received a message stating their "underwriters are on it". I am sure the same thing will happen. So I am done attempting an SP CLI with them. I have an 823 TU, plenty of income, DTI <1%. I also have had a checking acct and a CC with them for over a year. 

Some banks are so much easier to deal with in this respect. Amex comes to mind.

[SlideOrInsert]

so did you even get any increase?

[Remedios]

---

@Anonymous wrote:

I've had a US Bank Platinum for about 2 years now. I requested a CLI cause it has been a while. No HP disclaimer in the mobile site at all. Eveey other card I have-- Chase, Discover, Citi, Cap 1 AND AmEx have a pop up disclaimer before you submit stating if they are doing an HP (Cap1 might always have it. I can't recall). 

Not only did they do a HP-- they did it TWICE. TU already confirmed it is two separate pulls. If I'd gotten a HP pop up or disclaimer, I would have absolutely not clicked submit. However there is absolutely NO reason to pull it two times. The information they received absolutely did not change over 30 seconds. 

Additionally, taking a closer look-- it seems they did the same thing in April 2020 when they added my husband to my card as responsible party. TU confirmed as well that this was two separate pulls that time as well. This is SO aggravating-- it isn't even the 5 point hit I took (that will be easily recovered). It's the principle. By asking for a CLI they doubly penalized me unnecessarily and TU has advised they will not remove the pulls. 

Has anyone else had this issue?

---

Chase had a link for CLI for a brief period of time, I don't know if some accounts still have it.

I have never seen Discover, Amex, or Cap One pop ups for HP, and I don't think there is such a thing. 

Citi, no pop up about HP. It only tells you when you will be eligible for next SP after which you can request HP if you aren't satisfied with the amount, but no pop up, only HP language, just like US Bank. 

I think you should familiarize yourself with CLI process for the cards you have to avoid situations like this in the future. 

[trant3]

More times than not, a CLI is a HP, reagrdless of a disclaimer or not. Some issue SP CLI

[NichelleN]

I learned with US Bank that even if the customer service representative says it's a soft pull, it's still a hard pull. In my 'early days' I called in for an increase. I specifically asked if it was a soft pull, was told yes and authorized them to proceed. The next day I saw that there was a HP. I called US Bank to ask them to remove it as I was given the wrong info. They opened up an investigation, reviewed the recording of the call and then contacted me to say that the rep did say it was going to be a SP. They removed the HP. 

They were quite reasonable in the response. Iwould ask them to remove one of the pulls.