@Skye12329 wrote:
@Anonymous wrote:The DW and I applied for a cu visa through a small credit union in Phoenix (Deer Valley) and we were declined after Élan ran a TU. Took 3 weeks to get the decline letter. Said our credit history was too short (oldest accounts 6/14) and ONLY on our TU reports DW and I have one medical collection mine for $200 and hers for $700. She has showing at the time $13,000 in total credit and me $17,000 with utilization just under 30%. Now we are both around $30,000 thanks to Am Ex. Élan even had the nerve to enclose secured credit card apps with the decline letters. I may send them back with a nasty comment to their upper mgmt! Ugh!
i think that bank is a waste of time for all of us rebuilders. They are waaaaay too conservative and if they ever decide to grant credit the limit will be so far behind the more aggressive lenders who took a chance on us, the card won't be worth the space it would take up in our wallets.
They were my first card when i started credit. I would have to agree they are too conservative. It took me over 2 years for just a 1500 increase and now im still stuck at 2k. Oh well im either going to close them or keep them SD.
Same here and i don't trust them enough to fill out the CLI request form. I just can't help but think that they would throw out another denial. This is my singlemost longest CC and it just had to be with the tightest CC lender in the business 
U.S. Bank® Credit Limit Increase
ENTER YOUR INFORMATION: Step 1 of 3 |
Please complete this form to request a Credit Limit Increase on your U.S. Bank= |
The link mentioned on post # 1 might come in handy for people looking at online CLI for cards such as Cash+ where there is no link within the account.
Also, for small CLIs, it's generally SP. I got two CLIs on my two US Bank Cards this month and so far, there are no HP alerts. Checked the actual TU report and there's no HP from US Bank 