Will US Bank increase credit limit without a hard credit pull?

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Will US Bank increase credit limit without a hard credit pull?

Postby Vandalized2 » Sat Jul 20, 2013 3:26 am

Is a hard credit inquiry a requirement for a credit limit increase on the phone with a CSR at USBank?

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Postby MemberSince99 » Sat Jul 20, 2013 6:01 am

Most probably yes. My Associated Bank card is Elan, which is essentially US Bank, and I called them and asked about a CLI at the year mark and I asked if it would be a hard pull and was told yes.

A good rule of thumb is if you ask, it's a hard. Yes, I do realize there are exceptions, there ALWAYS are, I'm just saying it's a good rule of thumb. In this case, if I bet, I'd be putting my money on it being a hard.

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Postby craigm1 » Sat Jul 20, 2013 10:34 am

I was told by the rep no, but they hit my report and now I'm in the process of having it removed, per a listen to the recorded phone conversation i said to the rep 5 times if it's a hard pull don't do it.

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Postby hematino » Sat Jul 20, 2013 4:46 pm

I don't know asking by phone has the same results, but I read somewhere that asking US Bank for a CLI on their website will not result in a hard pull if its less than $1500. I've tried it that way and have never gotten a hard pull.
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