Reply
Established Member
Amerabian
Posts: 50
Registered: ‎02-27-2013

Applied for US Bank Harley Davidson Secured CC

[ Edited ]

Just sent my application online to US Bank for the Harley Davidson Secured Credit Card with a $300 deposit.

 

After I hit "Submit" I got a msg saying "We are unable to make a decision about your application at the moement, we will send you a letter via USPS regarding our decision in 7-10 business days"..

 

I really don't know how to feel about that.. Did anyone get approved instantly or is this the way they review applications?

 

I really hope to get approved for that card, it's going to be my second secured credit card for the next year or two (along with Capital One Secured Card)..

 

Any input is truly appreciated..

 

 

Worst Score= 520, Goal FICO Score > 700 all across
EX (real): 3/22/13 => 677, 04/27/2013 => 738
TU (CK) 629 3/25/13, 647 4/8/13, 640 7/20/2014
EQ (myfico) 629 8/21/13, 641 9/5/13
CapOne$526CL, USBank H-DVisa $300CL
Regular Contributor
Guyatthebeach
Posts: 212
Registered: ‎09-04-2012

Re: Applied for US Bank Harley Davidson Secured CC

They normally review secured applications manually from what I understand. Also it may be declined if you have a bankruptcy or charged off accounts.

Valued Contributor
Burned2manybridgesB4
Posts: 1,407
Registered: ‎03-15-2012

Re: Applied for US Bank Harley Davidson Secured CC

The whole purpose of a credit review for a secured card is to prevent any potential losses by the bank that will be holding your deposit.

 

Would kinda suck for them if you had a line of credit in use, then another CO/CA comes back seeking your assets, taking your deposit by legal means (from the secured cc bank), and leaving them holding the "loss," then trying to go after you for it. The costs would outweight the initial cost of a CR pull.


Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,257
Registered: ‎10-02-2012

Re: Applied for US Bank Harley Davidson Secured CC

When my dad applied for a US Bank cc onloine it said you can insert your e-mil to be notified if approved. So he did and got the approval notification 4 dys later. He got the same message after insertig his e-mail. Did you provide them with an e-mail address? 


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
New Member
Kismetavah
Posts: 2
Registered: ‎03-01-2013

Re: Applied for US Bank Harley Davidson Secured CC

I am hopeful that you will get it.. I just was approved for US  Bank card and it showed the same message for me. 2 week later, they deducted $300 isout of my account and sent the card. Wishing you luck!

Starting Score: 499 9/2012
Current Score: 3/2013 Exp 523 EQU 568 TU 573
Goal: 700
New Visitor
Muk_Man
Posts: 1
Registered: ‎09-05-2013

Re: Applied for US Bank Harley Davidson Secured CC

I applied for the same card. i did not see the email option when I applied. Still waiting on a response. any updates on your cards?

New Contributor
tryingagain62
Posts: 134
Registered: ‎08-31-2013

Re: Applied for US Bank Harley Davidson Secured CC

I totally forgot about applying for their card a few weeks ago. At the time of applying I got a 'can't approve - under review' message. Never received a letter or email and yesterday the money was taken from my bank account so I guess we'll see what happens.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+