US Bank account update reference information

[slund5499]

Spoke to US Bank CSR underwriting to confirm that all CLI are hard pulls. US Bank no longer performs automatic account reviews or auto CLI.

[jason86423]

That sucks that US Bank may not- but their wholely owned credit card issuing division ELAN financial does.  I've gotten two soft pull "preapproved" CLI's  this year from my Elan branded cards.  (not a third party bank they issue for)

[CreditCuriosity]

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@slund5499 wrote:

Spoke to US Bank CSR underwriting to confirm that all CLI are hard pulls. US Bank no longer performs automatic account reviews or auto CLI.

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This is not true from many recent SP CLI's that csr didn't know their head from their foot.  Talk to Finstar among many others that have recently got them.  Not sure if the customer can request a SP cli, but they certainly give them..

[slund5499]

I don't know anything about Elan backed cards. Just know about my experiences with US Bank platinum account

[slund5499]

I can only relate to my experiences and information I received from CSR on my platinum Visa account. I cannot comment on Finstar branded cards

[CreditCuriosity]

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@slund5499 wrote:

I can only relate to my experiences and information I received from CSR on my platinum Visa account. I cannot comment on Finstar branded cards

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Finstar is a poster on this forum, not a card ..  You probably just didn't have any offer and the CSR was misinformed.    They certainly do offer SP CLI's just usually not by customer requests.. Finstar the user just got one a few weeks ago among with many other users on US Bank cards

[emptypockets]

I just got one a week or so ago on my Cash+ card. There was a message on my account saying "you may be eligible for an increase." I clicked the button, and submitted the request. A couple days later, a letter saying the same thing came in the mail. It did not give an immediate response online, but I called the number on the letter, and confirmed that I got a $3k increase, no HP.

[emptypockets]

Here's a recent  thread about US Bank, and CLI's:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/US-Bank-CLI-question/m-p/4084675#M68961

[Anonymous]

Interesting because I just received a $4,500 CLI at their invitation. Previously, I received two CLIs of $1,500 each per account and they did not even do an SP and not an HP. It gets better I re-allocated the credit lines a couple months later without and HP or SP.

[Imhotrodcrazy]

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@slund5499 wrote:

I can only relate to my experiences and information I received from CSR on my platinum Visa account.  I cannot comment on Finstar branded cards.

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This struck me funny when I read it.  I was laughing so hard that I couldn't stop.  I can't wait to see Finstars"  reaction to this comment.