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THIS is why I wanted to close my Wells Fargo secured card. They told me the only reason it wasn't graduating was because of my checking account. They didn't even give me a reason why! I haven't been overdrawn on my account in YEARS. I have my paycheck direct deposited into my Wells Fargo checking, so I honestly do not know how that was an issue.
What's funny is when I called them to cancel, the guy said "Are you sure? It says here your card is set to graduate at the end of November." I don't know what changed, but I ended up keeping it open. I want to see if they'll give me a CLI once it does finally unsecure. I just want my $1,200 back!
Also, your score went up because of reasons unrelated to the inquiry. Something else changed from the last time you checked your score. Maybe an inquiry aged off, an account got older, etc.
I know what you mean. I had a secured card for the longest before they upgraded it to platinum. Took maybe 2 years. I have the same thing direct deposit and i had put down 600. I did just pay my Best Buy cc and WF cc both down to about 15% uti. They were both sitting pretty high at 65% each.