Congrats. I'm hoping to get mine in three months or so after the year completes of having the card. I'm a little worried since i read that many people have had the card for years and no letters of graduation. Also i was wondering that if the card graduates to an unsecured card does the secured card account closes? and if it does does it affect your credit score? Congats again. 
ObeyJohnny12 wrote:Congrats. I'm hoping to get mine in three months or so after the year completes of having the card. I'm a little worried since i read that many people have had the card for years and no letters of graduation. Also i was wondering that if the card graduates to an unsecured card does the secured card account closes? and if it does does it affect your credit score? Congats again.
No. WF graduates their card by opening a new card# and account but they keep all the reporting info and history on a single account at the CRAs. Also, WF doesn't hard pull when they graduate.
Starting Score: 502 5/4/2012
Steelersfan904 wrote:
tayOthman wrote:June 11 2012 - New CC shows up with the onlinbe account (Same CL)
June 13 2012 - Credit Report updated with the Same history & the Secured card note removed,
It said secured credit card on your credit reports?
I think most do, USAA and Capital One I believe are two exceptions for their secured products.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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tayOthman wrote:June 11 2012 - New CC shows up with the onlinbe account (Same CL)
June 13 2012 - Credit Report updated with the Same history & the Secured card note removed,
Congratulations!
Same thing happened to me but the "duplicate" CC account scared me. Probably be good if they sent you a PM or email before suddenly you have two online CC accounts. Turned out everything was good and it's the way they automatically link charges from one to the other so that older charges go through for a while. Actually convenient if you have the CC linked to various autopay merchants like Verizon.
Oh, and, unlike Citi, enjoy getting unsecured without a hard pull. Also, they bumped my CL 20% a month later!
Revelate wrote:
Steelersfan904 wrote:
tayOthman wrote:June 11 2012 - New CC shows up with the onlinbe account (Same CL)
June 13 2012 - Credit Report updated with the Same history & the Secured card note removed,
It said secured credit card on your credit reports?
I think most do, USAA and Capital One I believe are two exceptions for their secured products.
Well that just settled m debate on maybe opening a wall fargo secured card
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