US Bank

[randyrhodes]

I have a US bank nearby. Wandering if anyone has any positive or negative info on their Harley Davidson secured card? I want one more revolving account and my bank doesn't offer them. Or mutual of Omaha or whatever its called? Omaha Bank

[jbrown773]

I got a US bank secured card so I wouldnt have to pay the monthly maintain fee on my checking account.. it was pretty simple to get approved and im keeping it for the fee waver. 

[NWintellectual]

I signed up for one of these cards a few months ago. It's not too bad for a secured card since there is no AF. The only caveat I would throw out there is that US Bank does not auto graduate secured cards to unsecured, so if that is your eventual goal, I would suggest looking at another bank. But if you just want the added positive TL (and added perk of no fees on checking), go for it.

[randyrhodes]

Thanks for the replies. I'm more interested in the positive trade line. I have checking at my bank that I've banked at since 99. Do you have to have a checking account with them to be eligible for the card?

[NWintellectual]

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@randyrhodes wrote:
Thanks for the replies. I'm more interested in the positive trade line. I have checking at my bank that I've banked at since 99. Do you have to have a checking account with them to be eligible for the card?

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No. I bank with a local CU but don't qualify for their secured CC so I applied online with US Bank. They just asked for the routing and account number of the account from which to withdraw the initial deposit.

[slund5499]

I have had US Bank secured for 2 years. They will not graduate automatically and to do so requires a HP.

Twice I have tried to get it unsecured and both times I got a fat no.....probably because they want to see a 680 to unsecure.

This little CL of $300 is useless, so I think I will just close the account and then apply the $300 security deposit elsewhere where I know it will auto graduate.

Bank America will not give me a secured account....still do not know exactly why.

Any suggestions?

[Anonymous]

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@jbrown773 wrote:

I got a US bank secured card so I wouldnt have to pay the monthly maintain fee on my checking account.. it was pretty simple to get approved and im keeping it for the fee waver. 

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Just a FYI, US Bank offers free checking if you are a veteran - no proof required.