Credit Score: 604 Credit Limit: 500 Age: 18-24

Posted 05/10 2021

I've had this card now for about 10 months. I am currently at a 604 credit score. In about 2 months, I'll be calling inquiring about an upgrade to the Unsecured Version. I hope to be approved for it, as I have not missed a single payment with this card. I'm close to being reviewed for the upgrade opportunity. I'll update in July, 2021.

 

Credit Score: 540 Credit Limit: 800 Age: 25-34

Posted 06/26 2016

I got this card after a couple of denial from other banks. Anyway, US Bank as well as Opensky approved me. Since I was rebuilding, I made sure my utilization was 20% only and PIF every month. There are some things to know about this card.

1. They allow you to increase your credit after 6 months. That means you can add more deposit and increase your credit lines. There will no pull for this.
2. They report as secured.
3. They pull Experian when I applied.

After 2 years, I graduated to an unsecured card.

 

Credit Score: 578 Credit Limit: 500 Age: 25-34

Posted 01/23 2016

My credit tanked with a job loss and an underwater property investment. This resulted in many missed payments and collections. After finding my feet again, I slowly started of payoff everything on my credit report. My scores went up from about 490 to 578. Then I applied for the US Bank secured card and was approved. I have not had this card for long and will try to report back after I have it for some time.

 

Credit Score: 560 Credit Limit: 500 Age: 25-34

Posted 03/12 2015

After I applied for this card, I was told that my application was in process and I should expect to receive a mail in 30 days. A few days later, I noticed that $500 (which was the deposit amount I indicated in the app) was taken from my bank account. I took that as a sign that I was approved. Just to be sure, I called US Bank and was told that I was approved and will get my card within a week. So for those of you who applied, make sure you have enough money in your checking account. I was also told that if I paid in time for 12 months, I might be considered for an upgrade to an unsecured credit card. After 2 billing cycles, I checked my credit report and found that US Bank reports this card as secured.