SHE GOT HIT WITH 2 "HARDS" ON TRANS UNION!!! US BANK 09/02/2003 US BANK 09/02/2003 I E-MAILED US BANK and asked them to remove BOTH of them for her... Mentioned TRUTH IN ADVERTISING...had we known a "HARD" or 2 would be done...IN ADVANCE...we would have left the card in the SOCK DRAWER TO COLLECT LINT with a balance of $0!!! BT was not close enough to the limit to say that she was APPLYING for an increase!!! They already said she is $2,000 OVER THE MAX LIMIT BECAUSE IT WAS TRANSFERRED FROM ANOTHER BANK THAT ALLOWED HIGHER LIMITS...(so she CAN'T ever get a credit limit increase...unless they change the rules) ON THE "UP-SIDE" IT IS 1.90% FOR 6 MONTHS... I WILL JUST MAKE $500-$1,000 PAYMENTS EVERY MONTH...THEN ONE FINAL PAY-OFF AT MONTH 6...OR BT IT GONE SINCE THE "GO-TO" IS 7.90%