US Bank Secured Graduation Denied

[chasmfiend1995]

Hello! I have a bit of an odd situation. I have had a secured altitude go card for nearly 13 months now and was told by a rep to call for graduation. I have never missed a payment and I keep good utilization. My scores at present are EXP 670 TU 665 EQ 667. I was denied the upgrade and am considering closing. I have unsecured lines with chase and fidelity with about 5k credit lines, and am at 6/24. The odd thing is the reason for denial, stating "

Thank you for your recent request to upgrade your account. We are unable at this time to approve your request for
the following principal reason(s):
·
We require 12 months of on time payments.
If you have any questions concerning this decision, please contact us at 1-800-947-1444, fax: 1-800-670-4834.
Sincerely,
Credit Department
"

any ideas?

--- Editing to clarify: all credit reports showing 13 months of on time payments

[FicoMike0]

Id call the number. If no joy, try again next month. 

Several of us have been turned down by usb for clis based on turd scores. The turd seems to dislike recent new accounts.

Maybe usb is going hard on risk exposure.

[Patient957]

---

@FicoMike0 wrote:

Id call the number. If no joy, try again next month. 

Several of us have been turned down by usb for clis based on turd scores. The turd seems to dislike recent new accounts.

Maybe usb is going hard on risk exposure.

---

A crappy turd score?

[Jeffster1]

---

@chasmfiend1995 wrote:

Hello! I have a bit of an odd situation. I have had a secured altitude go card for nearly 13 months now and was told by a rep to call for graduation. I have never missed a payment and I keep good utilization. My scores at present are EXP 670 TU 665 EQ 667. I was denied the upgrade and am considering closing. I have unsecured lines with chase and fidelity with about 5k credit lines, and am at 6/24. The odd thing is the reason for denial, stating "

Thank you for your recent request to upgrade your account. We are unable at this time to approve your request for
the following principal reason(s):
·
We require 12 months of on time payments.
If you have any questions concerning this decision, please contact us at 1-800-947-1444, fax: 1-800-670-4834.
Sincerely,
Credit Department
"

any ideas?

--- Editing to clarify: all credit reports showing 13 months of on time payments

---

USBank does require 12 months of payment history before graduating. This may not equate to 12 months since you opened the account if there was no activity on the account some of the months.

After my DC in 2021, I was approved for 3 secured cards:

- BofA CCR

- TD CASH +

- USBank Platinum

BofA and TD have different graduation policies from USBank. Both BofA and TD graduated in 7 months. Granted, both also saw heavy monthly use.

USBank graduated in 17 months. The card saw little use but it graduated as soon as I hit 12 total months of activity/payments.

[FicoMike0]

@Patient957 

Yeah, my turd score is in the toilet 🚽.

B@st@rds!

[sjt]

I would call the number and ask for clarification.