US Bank Cash+ Card Graduation Questions

[Creditswooner]

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@Jordan23ww wrote:

I haven't had a secured card with US Bank but I have read some posts from those who have. They have reported that if you ask US Bank for your card to be graduated a hard pull is done to see if you're eligible.  Hopefully if you do pursue initiating your cards graduating you will get approved and receive some nice increases to your credit limit. Best wishes to you! 

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Thanks! Guess I'll wait for them to do it automatically lol

[Pppoolboy]

I've had a US Bank altitude go secured card at $1,000 for the last two and a half years and it never graduated so I'm canceling tomorrow.

[Creditswooner]

US Bank is notoriously conservative. That said, I think a lot of institutions are unsure about the fundamentals of our financial system, so I would imagine they're probably being more cautious when it comes to extending credit/graduating cards. Maybe give their underwriting department a call? They may be able to look into manually graduating your card for you?

[Lurker22]

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@Pppoolboy wrote:

I've had a US Bank altitude go secured card at $1,000 for the last two and a half years and it never graduated so I'm canceling tomorrow.

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call them and ask for a manual review - they will require a hard pull but it'll most likely graduate (same happened to me, and every CLI since I've had to first get declined by the computer then request a manual review and they've always been approved)