@Traveler101 wrote:
Congratulations on your product change and cli. I'm glad someone has been successful with these folks. They had offered a product change to me for the go. I really was interested in the reserve and they said no go. Originally I had gotten this card in hopes of eventually changing to the reserve. I also wanted it as a replacement for my venture card with a 24k limit. With us bank, I cannot get past the 5k mark.
A few months ago, bureaus locked, I requested a cli. Looking at annual credit report, they had done a sp. They denied me because bureaus are locked. Today, I look on annual report again. Sp usb, 6/28. Requested a cli, got a notice the report is froze and unable to perform.
Not sure what it takes with these people. One of my lowest limit cards and opened with 820 fico at the time.
I'm now at 1/6..2/12 and 3/24. Theirs is 11 months old. I have some big spend coming up. Considering wells, boa, or possibly the bcu train people have been talking about. That still leaves me under 5/24 for a chase card later down the road.
Not sure why lenders can be so difficult. But, it is what it is. Congratulations on your victory. I'm glad someone got what they wanted from them.
I have Altitude Go card as well with US bank....and I remember that when I requested first time a CLI on that card, it got denied and said that a letter will be sent out to detail the reason. I was shocked because I had a very good spending on that card, and I also knew that they could not possibly have checked my credit reports to know what was going on with my other accounts with other lenders because all my credit reports were frozen....I anxiously waited for the letter and when letter arrived then I found out that it was rejected because US bank wanted the access of my credit report in order to consider my request for CLI...I was surprised because long-timers, including some mods on here were saying to some members to freez reports before asking for CLI, and some people were said to be able to get CLI this way then why not me..I was not ready for a HP...I even posted on here my dilemma at that time.
I thought very hard for many days as to what to do, and finally realized that US bank would not give me any CLI without doing a HP...and since I had no choice because I did need the CLI badly...I mean, why to let go the opportunity to have it, anyway. So, I finally unfroze my credit reports and requested CLI online. Believe it or not, I got instantly approved for $5k and without a HP....Since then I always have kept my credit reports unfrozen whenever I sought out CLI...and each time I have received $5k CLI instantly without any HP...and now I am at $25k.....I know why you are so skeptical when they have refused to consider your request for CLI without you thaw your credit reports...I was in the same situation with the same though...but there was never a HP, though....So, you may choose to do the same what I did. My SL was $4.5k only. A wise man on here once said- What would it damage by burning an inquiry as there are tons to burn anyway.....You should give al this a thought. I wish you all the best....
