Does anyone have a recon phone number for US Bank? I have had a secured CC with US bank for a little over 10 months now, and I asked them to get it upgraded to an unsecured card so that I could get my $1100 deposit back (and, then, possible ask for a CLI, but that is getting ahead of myself right now). Anyway, the response I got was that you have to have the secured account for at least 12 months before they upgrade to unsecured. They said they would review my account, however, and see if they could do it a little early. I see that they did a hard pull on EQ on July 10 (thank god--they did TU when I got the unsecured and TU is my lowest while EQ is my highest), but I have not gotten a response. I called customer service a week ago, and the rep I talked to said that he had no idea what the decision was and that I should be receiving the results of the decision in the mail, which I should have gotten last week already, but nothing came. I don't have a good feeling since I am a month and a half away from the 12 month "standard" timeframe. Also, my scores have been bouncing around between 585 and 615, and I think my EQ was closer to the 585 when they pulled my score. I was told by someone at my local branch that US Bank uses 600 as a cutoff for most loans and assumed it would be the same for CC's.
I don't know for sure that I am declined, but I want to try a recon line ASAP if I am cuz I would really like that deposit back for a new house I plan to buy in the next couple of weeks.
