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US Bank Secured Graduation

texasman07
Established Contributor

US Bank Secured Graduation

Hello, 

No judgement lol. 

I didn't need the card but I opened a secured platinum visa on 08-AUG-2019 with a 300$ deposit. US bank. I'm addicted to apps therefore they will never approve me instantly for their other cards. I ran small purchases every other month, paid in full sometimes (75% of the time)and other times let a balance post. I totally forgot that it was secured and decided to call on 03-FEB-2021 to ask about graduation. I have 3% UTL, 10k in CC debt due to some fitness injuries requiring surgery, and my mortgage is 2.5 years old. No other debt besides CC and mortgage. Tons of INQ and no baddies, FICO across all 3 is between 780-805. Lots of new accounts. 

CSR stated the same verbiage as with all- HP, 7-10 days , etc. 

 

same minute, I got the pull on TU, I live in Dallas and USB always pulls EQ or EX for me, this was strange. 

The very next day, I logged into the iPhone app and went under "manage card" tab, instead of it stating "US Bank Secured Platinum Visa", it stated "US Bank Platinum Visa". 

I clicked on the "CLI" after, and it stated " your account is secured , blah  blah ". 

I thought maybe I wasn't approved for grad day. 

2 business days later, I try the CLI link and now it prompts me for information ! Guess I graduated !!!! 

2 questions: 

 

can I ask for a PC before the card arrives ? 

is it too early for a CLI? 

in other news, I saw the Venmo chatter and decided to see if I could apply. There was a banner on my app so I applied- instantly it asked me for a picture of my DL for confirmation of address etc. I took a pic and 2 minutes later got an alert I was approved for 25k at 15.24% apr. 

so that's 25,300 $ lol 😝 

 

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 1 of 10
9 REPLIES 9
CreditMagic7
Super Contributor

Re: US Bank Secured Graduation

Congratulations on your approval!

Message 2 of 10
AllZero
Super Contributor

Re: US Bank Secured Graduation

Congratulations on your graduation 🎓 and approval!

Message 3 of 10
cashorcharge
Valued Contributor

Re: US Bank Secured Graduation

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 4 of 10
CreditAggie
Valued Contributor

Re: US Bank Secured Graduation

Congratulations on your graduation and approval!

Current Cards (in order of approval):


Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:



Currently: 0/6, 0/12, 3/24
Message 5 of 10
JoeLuvsHisCredit
Valued Contributor

Re: US Bank Secured Graduation

A CONGRATS.jpg

Message 6 of 10
BAD_UP
Frequent Contributor

Re: US Bank Secured Graduation

Congrats on your Graduation & Approval🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 7 of 10
designated_knitter
Frequent Contributor

Re: US Bank Secured Graduation

I recently graduated a couple of weeks ago.

 

As of last week, I was not eligible for a product change because the card and transition was still in process.  However, after about a month, I'm told I should be able to do a product change.

 

I also called last week to ask about a CLI because it kept saying the card was secured.

 

I was told that I would have to wait 6 months after graduation to be eligible for a CLI.  I was also told it would be yet another hard pull.

 

Congratulations on your graduation.  Let me know if you find out different information from what I was told.

 

Cheers!

Started Over Again after Cap1 Death Penalty:
06/15/2019:
02/14/2021:

Message 8 of 10
gdale6
Moderator

Re: US Bank Secured Graduation

Grats on the very nice Venmo approval and good luck on the USB card Smiley Happy

Message 9 of 10
texasman07
Established Contributor

Re: US Bank Secured Graduation

Hello . Some updates. 

Got the physical card and called to change to cash +. Took 3 minutes to get the PC. 

went online for a CLI and pretty sure declined. Waiting for my letter .

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 10 of 10
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