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

Established Contributor

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

@HopefullyDebtFree@

CS wasn't so great...low 600s to Start TU is 740 now 6inquiries.. 2 are from USbank

These scores are from my CK sooo...May vary I'm waiting to see if US bank send my TU score in the mail😃
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 31 of 105
Established Contributor

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


MILOfico wrote:

MILOfico wrote:

MILOfico wrote:

MILOfico wrote:

1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 3mo.

 

         4.Unsecure attempt:After 13Mo.

 

         5.Graduation Time frame:After 18mo.

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

After 13Mo. Ask if I qualify,to have card unsecured. The CSR replied no, have not tried again.


UPDATE: I will try again Oct.2016 


        1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 6mo.

 

         4.Unsecure attempt II :After 18Mo.

 

         5.Graduation Time frame:After 18MO.

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

 

UPDATE 10/4/2016

 

Spoke with CSR yesterday,about unsercuring card. So I asked her does she see any reason why my card wont unsercure at 18mo. and that I never missed a payment. I also added I thought it was strange my card wasnt unsecure already. The rep said well,looking at your acc. you should be able to unsecure;I was likeSmiley Surprised WAAA!;

 

She then went on to say that also its not promting me to run a CREDIT CHECK ok I thought that was strange cause she said usaully on these type of acc.'s its flagged to run credit. So I took a min. to think about it cause i really didnt want a HP, but I eventually aggreed she then ask me for some info card#,income, update,address,housing etc. she typed it in and said ok your acc. is being sent out for review it will take 7-10 days to see if I qualify . I then asked will this be a HP she said no again also are you jus running me for another CC product she replied no. ok......me being parnoid I called rite back LOLSmiley Very Happy

 

This time I just asked,what did the last rep. do that took the last call on my acc.,she said she sent out a review form to have your card upgraded to be unsecured. So I asked will this result in HP she said "Did i mention anything about you having your report pulled." I said NO she said cause its not.I asked again is this a app for a new CC product she replied no,and that your acc. being sent out for review to be unsecured,I should hear from them in about 7-10 days ok done.

 

so nothing yet will update soon with unsecured appr. or denial,and if I recieve a HPSmiley Frustrated ...these are some interesting data points if true....

 

 

 


UPDATE II:

 

Ok,so checked this mourning... red banner is now gone and my acc.#, is now different Smiley Very Happy yEA!!! 

 

I think im in...and the unsercuring process is starting. One other thing though I had two agents tell me it would not result in hard pull is this worth fighting...because when I checked CK its there Smiley Sad thats what really pushed me to go for it, not sure what I should do.

 

For now I will jus hang tight till, card arrives....THKS everyone for tips and info and posts. Please any new data post here.

 

I think I may be the first here to report a successful US bank $5000.oo (secured to unsecured CC)Smiley Very Happy ...I searched the site couldnt find anything.


UPDATE III:

10/8/2016

 

Ok...so yes It is unsecured to Plat. visa, searched myfico site for info about PC'ing to cash+REWARDS. No problem!!! found the Myfico member [ rserla ] and was advised to ask, a US bank rep. if my acc. had any offers or possible product change opportunity on my acc.,called and the rep came back and immidialy said yes you can PC to Cash+...so it should now be a US bank cash+REWARDS that is mailed out to meSmiley Very Happy ....

 

Also....[ rserla ] said I should request a CLI,the rep. said the CC needs to atleast be UNsecured for 6mo. to request a CLI...[ rserla ] gave me some steps to take on Mon. I will update with results...

 

so far very exiting news indeed Smiley Very Happy

 

 

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 32 of 105
Regular Contributor

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

Congratulations :]
Starting FICO 8 scores (6/22/16) Ex 528 Eq 513 Tu 501
Present FICO 8 scores (8/1/17) EX 648 EQ 667 TU 634
Message 33 of 105
Established Contributor

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

HopefullyDebtFree,THKS!!
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 34 of 105
Established Contributor

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

Update: III

Following rsela advice and asked for CLI on Monday worked ...I request ed $8000.oo so my new CL is $13,000.oo will have more info when CC arrives...and see what card it is ...it is no longer a plat. For sure but it jus says signature..can't see what type online😃 cash+ I hope so!!!

😄😉😄
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 35 of 105
Established Contributor

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


MILOfico wrote:

1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card:1yr. 3mo.

 

         4.Unsecure attempt:After 13Mo.

 

         5.Graduation Time frame:NA

 

         6.Any CLI after gradaution:NA

 

 

Place any notes here about unsecuring process: 

After 13Mo. Ask if I qualify,to have card unsecured. The CSR replied no, have not tried again.



MILOfico wrote:

 

         1.Banks Name: US bank 

 

         2.Secured amount: $5000.oo                

                                                                              

         3.How old is card: 1yr. 6mo.

 

         4.Unsecure attempt: After 13Mo., then @18mo.

 

         5.Graduation Time frame: 18mo.

 

         6.Any CLI after graduation: 4 days after graduation, CLI +$8000.oo

 

         7.Any unsecured PC: Yes,after graduation.

 

 

 

Place any notes here about unsecuring process:

 

After 13Mo. Ask if I qualify,to have card unsecured. The CSR replied no, have not tried again.

 

 

4.Unsecure attempt: After 13Mo., then @18mo.

                

NOTES: For line 4

 

(MY card did not unsecure on its own. I spoke to rep. and asked if it can be done. She told me it looks like you should unsecure no problem and CPU,is not asking for CR to be run.) {thought that last part was strange} also 2 reps said NO HP...dont believe it I got HP 2!!!

 

 

6.Any CLI after graduation: 4 days after graduation, CLI +$8000.oo

 

NOTES: For line 6

 

(For CLI after graduation, Call USbankcorp. UW dpt. I did and got a very nice rep. and I was polite in return,request that they use same HP.)

 

{LINE 6. DATA- UW. said, "If we stay between $5000.oo - $10,000.oo we should be able to use same HP."}

 

7.Any unsecured PC: Yes,after graduation.

 

NOTES: For line 7

 

(Ok, so right when you see card unsecure, call back or wait til you receive Plat. unsecured CC.I called a CSR soon as I saw card was going unsecured. And jus state to rep. "I was jus calling to see if there are any upgrades or new products available for my acc. In my case rep. said, yes cash+)

 

 

Smiley Very Happy Really hopes this help someone!! Smiley Very Happy

 

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 36 of 105
Established Member

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


risinguphopeful wrote:
1. USBank
2. Secured amount: $1000
3. How long secured: 12 months
4. Unsecured Attempt: 12 monthss
CSR said theyll send me a notice in 5-7 business days regarding If they will graduate or not. If they don't graduate I will just cancel the card. My current scores are Exp: 660, TU: 654,EQ: 667. I will have results by next Monday-Wednesday I will post results here.

I got a denial saying insufficient time account opened. So I waited one more month and called again a few days ago and they told me to wait like before. Today online it shows a different 4 digits ending for the card number! I think it was approved. My current scores are in the 640's accross all three (put some debt on the cards then the previous month). And it WAS a HARD PULL.

Message 37 of 105
Valued Contributor

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

Congrats milo on getting your card unsecured, it gives me a time frame to shoot for, for my own secured card. That truly sucks about the hps. Are you going to dispute the hps? Maybe call and complain about the csr giving you wrong information. I record all my calls with institutions just for this reason, they say one thing then do another. Again congrats!


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 38 of 105
Established Contributor

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

Disabled-Vet-

THKS!!! Not sure if I will dispute...waiting to decide gonna wait til report updates and see if second 2nd pull is there...how do you record your csr's on the phone???
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 39 of 105
Established Contributor

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

risinguphopeful-

Looks like your in!!! your card should be going to visa Plat.now... THKS for info please keep us posted
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 40 of 105