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what is "wrong" with US Bank?

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noobody
Established Contributor

what is "wrong" with US Bank?

I went online to check my Cash+ transaction today, find out US Bank raise my CL from 8K to 12K without notice.

 

History:

 

Cash+ been approved in 2012 when it first come out for 12K without prior relationship, my highest SL at that time.

 

Early 2014 been offer to SP CLI to 16.5K, accept it, two month later volunteered reduce to 10K, thought I could have a better chance to get an instant approval for Club Carlson card this way.

 

in July 2014 applied for Club Carlson Premier visa, approved for 15K after 3 days pending.

 

in 2015 They keep sending me offers, SP CLI for 4.5K on both cards, while I ignore them, they throw some small incentive like $5 statement credit , 500 gold points at me, finally took it,  Cash+ at 14.5K and Club Carlson at 19.5K.

 

I spend much more time outside the country since 2017, so those two cards became useless to me, I downgrade Club Carlson to plain no annual fee card and reduce the CL to 1K, cash+ CL to 8K

 

opened a checking account with them in 2017 to get $200 bonus. all three accounts with minimum usage since then.

 

In February 2019, cold apply for PLOC, instant approved for 18K.

 

I really do not think high CL on capped reward card is necessary, 8K is more than enough.

 

I don't think I can move CL from Cash+ to PLOC.

 

I guess they like my profile and the way i handle my accounts, but I have never been preapproved anything from them

 

Shall i call to get it reduced again(3rd time) to have a better chance get CLI for PLOC in the future?

 

 

 

 

 

 

 

 

 

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 1 of 3
2 REPLIES 2
FinStar
Moderator Emeritus

Re: what is "wrong" with US Bank?

Not sure I follow on the premise of the subject title.

If you voluntarily lower the CL, and during periodic reviews they grant an auto-CLI, then that's pretty standard. You can reduce your CL as often or as necessary since I'm not certain there's an opt-out option (e.g. SYNCB) to prevent future auto-CLIs.

Unfortunately, CL reallocations from/to PLOCs, OLOCs, BLOCs (or similar products) to/from CCs are not possible.
Message 2 of 3
JR_TX
Valued Contributor

Re: what is "wrong" with US Bank?

Nothing.
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 3 of 3
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