U.S. Bank CLI

[tengtengvn]

So I called in and asked for CLI since my U.S. Bank FlexPerks hit 6 months mark.

-First CSR doesn't know if it's a hard or soft pull. She put me on-hold then came back with the answer. It will be a hard pull. I thanked her and said then I don't need anymore.

-Call back and talk to another CSR, he said soft pull. The system came back with 7-10 business days message.

Odd thing is the last time when I called (few months ago) to request CLI for my Platinum and BBB card, they didn't pull my credit report. They just checked my usage & approve the request.

Can't wait to get the letter.

[DI]

Congrats!  It would be great if US Bank allow me to product change my Kroger 123 card, since I no longer live in a Kroger area.  I don't feel comfortable using a Kroger card at a Publix without reaping maximum rewards. 

[Anonymous]

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@tengtengvn wrote:

So I called in and asked for CLI since my U.S. Bank FlexPerks hit 6 months mark.

-First CSR doesn't know if it's a hard or soft pull. She put me on-hold then came back with the answer. It will be a hard pull. I thanked her and said then I don't need anymore.

-Call back and talk to another CSR, he said soft pull. The system came back with 7-10 business days message.

Odd thing is the last time when I called (few months ago) to request CLI for my Platinum and BBB card, they didn't pull my credit report. They just checked my usage & approve the request.

Can't wait to get the letter.

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Let us know how it goes!  We're pulling for ya!

[brian2220]

does anyone know if us bank reviews accounts for auto cli 

and do they ever decrease apr over time because i was given 23.99% on my new card

[mark925]

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@brian2220 wrote:

does anyone know if us bank reviews accounts for auto cli 

and do they ever decrease apr over time because i was given 23.99% on my new card

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They do review accounts.  On my US Bank Platinum Visa last year they sent me a letter offering me a CLI.  I simply called, verified my income and got a $3k CLI with no pull at all.

[tengtengvn]

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@brian2220 wrote:

does anyone know if us bank reviews accounts for auto cli 

and do they ever decrease apr over time because i was given 23.99% on my new card

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with US Bank, they treat you personally like a credit union. For example: I applied for a checking account online. My application was forwareded to a local agent. I got an email a day later letting me know that my account is ready & I can contact the agent directly if I have any concerns.

Thank you for your application to open a new U.S. Bank account.  Your application process has been completed and your new account is ready for your use.

Please feel free to contact me with any questions or concerns.  We appreciate your business and are looking forward to assisting with your future financial needs.


Sincerely,

Mxxxxxxx
Account Processing Specialist
US Bank - Direct Bank
P: 651-xxx-xxxx
F: 651-xxx-xxxx
Email: Mxxxxx@usbank.com

[Anonymous]

Sorry to bring such an old thread back to life.  Did it end up being a Soft pull?  I'm considering calling and requesting a CLI.  It's been $500 for quite a while now (I didn't know you could request a CLI until recently)

[MagicShot]

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@ptrutkowski wrote:

Sorry to bring such an old thread back to life.  Did it end up being a Soft pull?  I'm considering calling and requesting a CLI.  It's been $500 for quite a while now (I didn't know you could request a CLI until recently)

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+1 Mine has been 500 for a while now too

[Anonymous]

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@MagicShot wrote:

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@ptrutkowski wrote:

Sorry to bring such an old thread back to life.  Did it end up being a Soft pull?  I'm considering calling and requesting a CLI.  It's been $500 for quite a while now (I didn't know you could request a CLI until recently)

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+1 Mine has been 500 for a while now too

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I literally just read a thread on myFICO that US Bank grants an automatic CLI of $1500 every 6 months without a hard pull.  Caveat is you have to call and speak to a CSR about it.  I'm going to call tomorrow!

[MagicShot]

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@ptrutkowski wrote:

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@MagicShot wrote:

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@ptrutkowski wrote:

Sorry to bring such an old thread back to life.  Did it end up being a Soft pull?  I'm considering calling and requesting a CLI.  It's been $500 for quite a while now (I didn't know you could request a CLI until recently)

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+1 Mine has been 500 for a while now too

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I literally just read a thread on myFICO that US Bank grants an automatic CLI of $1500 every 6 months without a hard pull.  Caveat is you have to call and speak to a CSR about it.  I'm going to call tomorrow!

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Let us know how it goes!