Published on June 8th, 2017 | by William Charles22
U.S. Bank No Longer Doing A Hard Pull For Credit Limit Increases
Update: They have changed the wording and it now says sometimes they will do a hard pull.
- In many cases, line increases requested through this online process or by calling 1-866-659-6801 will not require an additional credit bureau check (also known as a consumer report review). In certain circumstances, we may need to obtain your consumer report from the credit bureaus to validate credit information. Requests made via any other forms or telephone number will result in a consumer report review.
U.S. Bank allows you to request a credit limit increase online. Previously some of the time they would do a hard pull and other times they would do a soft pull. Now as long as you use that link or call 1-866-659-680 no hard pull (or credit bureau check as they call it) will be done.
For most people this isn’t a big deal, but I’m a big fan of card issuers making this type of information clearer for consumers and anything that results in less hard pulls is a good thing in my mind. You can view the credit limit increase policy of each of the card issuers by clicking here.
Hat tip to Keith S