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Wow, how time flies. I stumbled upon this topic and realised I have had my HD secured card for 24 months. Now i am interested in what the outcome, may have to call myself. I also dont want a HP.
I dont mind at all @Disabled-Vet and yeah it seems rather sad. This card is used for my monthly subscriptions so there is activity monthly. I have never received any mail from US Bank either.
@Anonymous wrote:
@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:After 18mo.
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:After 18MO.
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 like 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 LOL
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 HP ...these are some interesting data points if true....
UPDATE II:
Ok,so checked this mourning... red banner is now gone and my acc.#, is now different yEA!!!
I think im in...and the unsercuring process is starting. One other thing though I had two agents tell me it would not result in hard pull is this worth fighting...because when I checked CK its there thats what really pushed me to go for it, not sure what I should do.
For now I will jus hang tight till, card arrives....THKS everyone for tips and info and posts. Please any new data post here.
I think I may be the first here to report a successful US bank $5000.oo (secured to unsecured CC) ...I searched the site couldnt find anything.
Also,when card arrives I will be asking about, PC to CASH+,CLI ETC. any ??? you asked please post it....
THKS