My friend has a US Bank Club Carlson Visa that she uses for 5 $200 charges a month. She has had the card since it launched in December 2012 and has no other US Bank accounts.
Today she was emailed an offer to increase credit from $10,000 to $14,000 along with a 250 point bonus. The offer expires October 31, 2014. The website is available at usbank.com/cl. Alternately you can call 866-659-6801.
The FAQs says there will be no credit inquiry:
The website requires last 4 of SSN, last 4 of card number and zip code. For her the bonus offer is displayed.
For me there is an error and I can’t even request a credit increase. For reference, I have both personal and business versions of US Bank’s Club Carlson and FlexPerks Travel Rewards cards.
Why might this matter? Big spenders, such as those cycling charity on the personal FlexPerks Travel Rewards, may like an extra amount of credit. Also, there is much unknown about how US Bank makes its credit decisions, however having some extra credit to reallocate may help with future applications. (Freezing your IDA/ARS reports is a good idea, too.)
Readers, have you gotten or had success with this offer?