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US bank secured card data;an non- USbank secured CC

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Anonymous
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Re: US bank secured card data;an non- USbank secured CC


@Anonymous wrote:

1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 3mo.

 

         4.Unsecure attempt:After 13Mo.

 

         5.Graduation Time frame:NA

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

After 13Mo. Ask if I qualify,to have card unsecured. The CSR replied no, have not tried again.


UPDATE: I will try again Oct.2016 

Message 11 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

1. USBank
2. Secured amount: $1000
3. How long secured: 12 months
4. Unsecured Attempt: 12 monthss
CSR said theyll send me a notice in 5-7 business days regarding If they will graduate or not. If they don't graduate I will just cancel the card. My current scores are Exp: 660, TU: 654,EQ: 667. I will have results by next Monday-Wednesday I will post results here.
Message 12 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

@risinguphopeful@

Thks for your contribution to post...I may follow suit.
Message 13 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

Jus...wish they took notes from other banks...as far as secured CC's go😶
Message 14 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

     1.Banks Name: US Bank

 

         2.Secured amount: $300                

                                                                              

         3.How old is card: 1 Year and 1 Month

 

         4.Unsecure attempt: They wouldn't budge until I hit 12 months.

 

         5.Graduation Time frame:Instant after I hit month 12 and there was a HP on Transunion

 

         6.Any CLI after gradaution: None yet

Message 15 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC


@Anonymous wrote:

     1.Banks Name: US Bank

 

         2.Secured amount: $300                

                                                                              

         3.How old is card: 1 Year and 1 Month

 

         4.Unsecure attempt: They wouldn't budge until I hit 12 months.

 

         5.Graduation Time frame:Instant after I hit month 12 and there was a HP on Transunion

 

         6.Any CLI after gradaution: None yet


Thks a lot for input!!!

 

I was wondering did you keep the same CC# and did you retain credit history on that card? Or did they give you a new product.

Message 16 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

They gave me a new card number but the card is still a US Bank Platinum card and I did retain the history

Message 17 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

Thks for info....I ask because I want to keep my US bank history and I don't want to PC ...well not yet😃
Message 18 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC


@Anonymous wrote:

@Anonymous wrote:

1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 3mo.

 

         4.Unsecure attempt:After 13Mo.

 

         5.Graduation Time frame:NA

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

After 13Mo. Ask if I qualify,to have card unsecured. The CSR replied no, have not tried again.


UPDATE: I will try again Oct.2016 


        1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 6mo.

 

         4.Unsecure attempt II :After 18Mo.

 

         5.Graduation Time frame:NA

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

 

UPDATE 10/4/2016

 

Spoke with CSR yesterday,about unsercuring card. So I asked her does she see any reason why my card wont unsercure at 18mo. and that I never missed a payment. I also added I thought it was strange my card wasnt unsecure already. The rep said well,looking at your acc. you should be able to unsecure;I was likeSmiley Surprised WAAA!;

 

She then went on to say that also its not promting me to run a CREDIT CHECK ok I thought that was strange cause she said usaully on these type of acc.'s its flagged to run credit. So I took a min. to think about it cause i really didnt want a HP, but I eventually aggreed she then ask me for some info card#,income, update,address,housing etc. she typed it in and said ok your acc. is being sent out for review it will take 7-10 days to see if I qualify . I then asked will this be a HP she said no again also are you jus running me for another CC product she replied no. ok......me being parnoid I called rite back LOLSmiley Very Happy

 

This time I just asked,what did the last rep. do that took the last call on my acc.,she said she sent out a review form to have your card upgraded to be unsecured. So I asked will this result in HP she said "Did i mention anything about you having your report pulled." I said NO she said cause its not.I asked again is this a app for a new CC product she replied no,and that your acc. being sent out for review to be unsecured,I should hear from them in about 7-10 days ok done.

 

so nothing yet will update soon with unsecured appr. or denial,and if I recieve a HPSmiley Frustrated ...these are some interesting data points if true....

 

 

 

Message 19 of 105
Anonymous
Not applicable

Re: US bank secured card data;an non- USbank secured CC

Interesting, I'm going to be waiting to see what happens with your graduation. I just got the secured harley card in July. I want to know what I'm in for in 12 to 18 months.

Do your scores need to be at a certain point for them to graduate you or is it just an internal uw thing that they don't share?
Message 20 of 105
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