r/TruistBank

Hello,

I've been a truist customer for about 15 years (legacy BB&T) and a few years back I requested a few credit cards after receiving pre-approval fliers. Unfortunately the credit limit on these cards are the lowest of all my cards (average cl is about 10k on my other cards) and so of course I don't really use the truist cards (one was closed due to non use). I recently received a 0% balance transfer promotion email but for my lowest CL card and was wondering if they still do hard pulls on limit requests or if they do soft pulls now like most FS companies.

Current credit score is 750 on Experian (with the other two around that). No hard pulls in 3 years (nothing on the CR and I'd like to keep it that way).

Also, does anyone have experience in receiving a decent credit limit when requesting an increase?

Thank you in advance

My company manages about $750k in client funds across dozens of Truist accounts. We use Zelle.multiple times a week, often for several thousand dollars at a time.

Yesterday I sent a Zelle payment of $47.38 to someone we had never paid before. Truist put the transaction on hold and told me they'd get back to me in 24 hours

This morning I tried to log in to truist.com and my account was locked. They didn't reach out to me to ask if I had made the $47 payment. They just locked the account I use every day to manage client accounts.

Neither the customer service rep who unlocked my account after a long phone call nor the account manager who just happened to call me to check in less than an hour after the account was unlocked seemed to think this was anything terribly concerning.

I used to have a person assigned to my account who I could call or email with any problems, and she knew me and would fix them. Now I have to hope the Business Connect person assigned to my request is competent. It's really disappointing that Truist has made these changes to the detriment of their customers

I do not have an actual Truist personal checking account. My brother had an account at Truist. When he passed away four years ago, an estate account was opened in his name or his existing account was converted into an estate account, I'm not sure which. I am the executor of his estate. The name on the estate account at Truist is: "Estate of Michael Jones, William Jones executor", (not our real names), Michael Jones being my brother and William Jones being me. This account has been languishing there for four years with $200 in it and they haven't been deducting any fees. Yes, I know I probably should have closed it by now. The question is: does this count as a "personal checking account" of mine and therefore disqualify me from getting the $500 bonus for opening a new account? I wouldn't think so, but I'm hoping somebody with more knowledge of the process can confirm it one way or another. I'd like to know before I go to the trouble of having my social security payment transferred.