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Some may disagree...that's fine. But I have one more secured card it's 8mo old I rolled my deposit over to it.
This will be my last secured card ...its with elan fin. So that should unsecure next yr. And be $5000. CL and qualify for visa Sig too after 12MO.😃
😵!!!fingers crossed again!!!😵
Let's see LOL...
@Anonymous wrote:
NichelleN-
THKS for checking in...and posting, I really don't know why the US bank CSR's are saying no HP for this???
But myfico member: Disabled-Vet has the right idea get it RECORDED...please post data points when you are free😃
Checking back in - I logged in today and noticed the change in account numbers. So, I called in to find out what card my secured card had been switched to. I was told it was a Platinum Visa (which I have no interest in). The customer service rep transferred me to underwriting where i was informed of a few things:
After hearing this info, I asked to speak with a supervisor. Since I originally spoke with customer service and not underwriting, he transferred me to a CS supervisor. This individual was very nice. He stated that the card agreement says that for any account change (credit limit increase, decrease, unsecuring), there will be a hard pull. However, he said that if I was told there was no HP, he would over ride the card agreement and have it removed. He is having the conversation reviewed and I will receive a letter in the mail.
Apparently, US Bank just bought another bank so it will be a few weeks before I hear back. I have no issue closing my savings, checking, money market and credit card account with them. I'd been strongly considering moving all of my banking to PenFed who have been nothing short of wonderful (checking, savings, car loan, $15K credit card starting limit).
We'll see how this turns out. I still need to follow up on what it takes to move the Platinum to something else. If I can't do it, I'll just close it.
@Anonymous wrote:
Also, NichelleN...please update with HP removal info I may give them a call as well I was told I wouldn't get HP for unsecuring CC??
But they did..😞
OK, so my CK updated twice, it looks like one HP but I'm still gonna fight it...due to the fact the CSR said (NO HP) so I called in and had to speak with a sup. she claims this will take 2weeks to be investigated
@Anonymous wrote:
@Anonymous wrote:
Also, NichelleN...please update with HP removal info I may give them a call as well I was told I wouldn't get HP for unsecuring CC??
But they did..😞OK, so my CK updated twice, it looks like one HP but I'm still gonna fight it...due to the fact the CSR said (NO HP) so I called in and had to speak with a sup. she claims this will take 2weeks to be investigated
Good for you for calling in for a supervisor. Interestingly enough, I have yet to have a hard pull show up on my reports. Maybe I'll be lucky in this situation.