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Confusing or misleading advertising about the credit card. I called to change the address on my Visa credit card that I have through US Bank, which is my hometown/family bank. While on the phone, I was told that I was eligible for an upgrade because I have a good history with the bank and paying off my credit card. The term upgrade was used throughout the conversation. Because of this I didnt understand that I was opening up a new and different credit card, I thought that my existing line of credit was being altered and improved. Im confident that I consented to the hard credit check, but it wasnt clear to me why that was necessary for an upgrade but I foolishly let the bank XXXX assure me that this was normal and necessary for the upgrade. When I received an email about my