Valued Member
Posts: 33
Registered: ‎07-26-2013

US Bank Secured card CL increase

Hello Scholars,


I have a question...........


If I would like to increase my US Bank secured card CL, do they do a hard pull on CR?  Was wondering this because there is no way to do it online and no

information on their site regarding this..



Regular Contributor
Posts: 134
Registered: ‎02-18-2012

Re: US Bank Secured card CL increase

I've recently done this and verified with the underwriting dept. You need to send them a letter stating you want to increase your limit and include income amount, housing expenses and the amount you want to increase it along with a cashier's check or money order only. They need to receive the letter on or after your account has been opened for at least 6 months. I called 3 times and everyone confirmed no HP.
Frequent Contributor
Posts: 266
Registered: ‎12-29-2010

Re: US Bank Secured card CL increase

I did the same thing recently to my secured US Bank card. When I inquired, here is the email I received.  I can confirm they do a HP even when you send in a cashiers check for the increase.   


Good morning and thank you for contacting U.S. Bancorp Service Center, Inc. via our Website. 

We understand that you would like instructions on how to increase the credit limit on your account. Please send us a cashier's check or money order for your desired increase amount. You may request the increase in $100.00 increments, up to a maximum credit limit of $5,000.00. Also, please include the following in your request: your name, account number, address, individual annual income, your monthly housing payment, whether you own or rent your home, signature, and the dollar amount of the requested increase. Additionally, we will pull a copy of your credit bureau report. Please be aware that your account must be in good standing and open for six months before a credit limit increase can be processed. 

Please mail your request to the following address: 
Cardmember Service 
Secured Processing 
P.O. Box 6363 
Fargo, ND 58125-6363  



Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720

Take the myFICO Fitness Challenge
Posts: 228
Registered: ‎08-29-2013

Re: US Bank Secured card CL increase

I just don't understand this HP to increase a secured card. Totally doesn't make sense. 

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (September 19, 2013) 702(EQ) 679(EX) 711(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)

Take the myFICO Fitness Challenge
Bank of America Cash Rewards $300 | Amazon Store Card $800 | WalMart Store Card $1000

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+