- August 15, 2011 at 6:43 pm #229230
So after reading a thread about a $1500 CLI every 6 months with US Bank I decided to call and get a CLI for myself.
Turns out they no longer do any automatic CLI. *In fact, any CLI request results in a hard pull. *Initially I spoke to a CSR who said she wasn’t sure, so I called the backdoor number and spoke with an underwriter.
Here’s the conversation with the underwriter.
Me: Hi, I’m calling to request a CLI, but wanted to know if it was a hard or soft pull.
Underwriter: *It would be a hard pull.
Me: *I was told US Bank offers $1500 CLI every 6 months. *Is that still true?
Underwriter: *No, we can no longer offer that due to the credit card act
Me: *So any kind of CLI request results in a hard pull, no exceptions?
Underwriter: *That is correct
Me: *Alright, I won’t be needing that CLI after all. *Thanks.
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