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US bank secured card data;an non- USbank secured CC

Established Member

Re: US bank secured card data;an non- USbank secured CC

 

         1.Banks Name: USBank

 

         2.Secured amount: Initially $5000  (Coming off a BK Ch7 12/2012 opened card couple months later)

                                                                              

         3.How old is card: 59 Mos (yes almost 5 years!)

 

         4.Unsecure attempt: Atempted 18mos(HP), 36mos(HP), 4.5 yrs No joy (NO HP).  After further digging as to why with underwriting I was informed that USBank requires 5 Years & 1 month since a BK before ANY unsecured is possible, so I figured wait the last 6 months and see if that was true or I would have just closed it.

 

         5.Graduation Time frame: Sure enough 5 years 1 month 1 day after bk date, unsecured to USBank Platinum at same $5000 CL (HP-Yes).

 

         6.Any CLI after gradaution: Have tons of credit now with many banks & CU's, really did not want anything more than my $5000 back.  It is a very vanilla card though with no benefit to be used, I will call to try and PC it to something more useful eventually.

 

 

Place any notes here about unsecuring process:

Message 101 of 105
Established Contributor

Re: US bank secured card data;an non- USbank secured CC

@TryItAgain

WoW, I thought I was the only US BANK 5g secured CC holder!!!! LOL thks for adding info very helpful!!!😃😄😃

Feels good to get 5000.oo cashiers check huh..

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 102 of 105
Frequent Contributor

Re: US bank secured card data;an non- USbank secured CC

When I went in to open my 5k secured account, I explained to the teller what I was doing and he wisely suggested that instead I open up a 3k and a 2k account to help boost AAoA (if you only have two accounts, he explained to my bewilderment, then the average is going to increase at the same rate no matter how many accounts you open).  So, I have two secured cards - one 2k and one 3k.  My nicknames for them in USBank.com are hopefully never revealed publicly.  But you're not alone!  Smiley Happy

 

I'm now trying to formulate my best angle of approach here.  I have spoken to UW a few times and they cannot assure me which bureau will be pulled, if any, if I will be approved for the product or CL I request, if at all or how many times they will do a hard pull, if any or that the account will be reported as continuous and not a new line altogether.  It's a bit maddening that they can't be a little more specific on the process but I am assured that every graduation request is reviewed by an "actual human" (opposed to all those fake humans you see running around lately).  

 

I really can





Starting FICOs: 629 EX, 654 EQ, 629TU (6/1/17)
Current FICOs:632 EX, 688 EQ, 721 TU (3/1/18)
1st Goal FICOs: 720 EX, 720 EQ, 720 TU (12/1/18)
Message 103 of 105
Established Contributor

Re: US bank secured card data;an non- USbank secured CC

@Achieving

Thks...for contributing. That's a strategy I haven't looked in to...makes sense though
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 104 of 105
Established Contributor

Re: US bank secured card data;an non- USbank secured CC

USbank 5% cat. update:

 

Hey, my Ficoers!, I mentioned this earlier in another post USbank added (5% home utilities cat.) here is the list...Just wanted to make sure this gets out....thks Smiley Happy

 

This category includes bills paid directly to your household utility providers and excludes Internet/cable/telecom service providers, cell phone services, security system services and similar merchants.3 Some utility providers may charge a convenience fee for using a credit card to pay your bill — please check with your providers.

 

Below is a list of popular merchants in this category.2 While the list can be a helpful guide, U.S. Bank does not control how individual merchants or purchases are categorized.3

 

 

 

  • Ace Solid Waste
  • Advanced Disposal
  • Ameren Corporation
  • Atmos Energy
  • California Water Service
  • City of Cleveland, Division of Water
  • City of Minneapolis Utilities
  • Clark Public Utilities
  • ComEd, An Exelon Company
  • Cuivre River Electric Cooperative
  • Denver Water
  • Des Moines Water Works
  • DTE Energy
  • FirstEnergy
  • Kansas City Power & Light
  • Laclede Gas
  • Las Vegas Valley Water District
  • Lincoln Electric System
  • Los Angeles Department of Water & Power
  • Louisville Gas & Electric
  • Metropolitan Sewer District
  • Metropolitan Utilities District
  • Missouri Gas Energy
  • Nashville Electric Service
  • Nicor Gas
  • NW Natural
  • Omaha Public Power District
  • Owen Electric Cooperative
  • Pacific Gas & Electric
  • Pacific Power
  • People's Energy Cooperative
  • Portland General Electric
  • Portland Water Bureau
  • Puget Sound Energy
  • Republic Services
  • Rochester Public Utilities
  • Rocky Mountain Power
  • Sacramento Municipal Utility District
  • Seattle City Light
  • Seattle Public Utilities
  • Snohomish County Public Utility District
  • Southern California Gas Company
  • trashbilling.com
  • United Power
  • Waste Connections
  • Waste Management
  • We Energies
  • Westar Energy
  • Wright-Hennepin Cooperative Electric Association
  • Xcel Energy

 

1 Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($20 minimum redemption).

 

 

2 The entities listed above are merely examples of the type of companies and merchants that fall within each particular category. U.S. Bank, its parent, and affiliated corporations are not affiliated, connected, or associated with these entities, nor are its products and services endorsed by these entities.

 

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 105 of 105