Credit Score: 533 Credit Limit: 500 Age: 18-24

Posted 11/27 2020

I've had this card for about 4 months now. I can tell you right now, I've had no issues with this card. My payments post on time every month (Within 1 Business Day following the Payment). Also, Customer Service when I need to call them are friendly and helpful. The App is user friendly, and very easy to navigate. I started my rebuild process at a score of 468, now my score is 533. It's growing! I plan to call in about 8 months from now to request my card be unsecured! I definitely recommend getting this card!

 

Credit Score: 468 Credit Limit: 500 Age: 18-24

Posted 07/09 2020

I have applied for this card this past Monday (07/06/2020), and I have received the typical 7-10 days notice. I woke up this morning (07/09/2020) and the deposit was withdrawn from my savings account. I called US Bank, and they have let me know that I have been approved for the Secured Card. I will update once I get the card, and am using it.

 

Credit Score: 0 Credit Limit: 0 Age: 45-54

Income On Application: $45000

Posted 06/10 2020

It was my first credit card, When I applied for this card my credit was 0 and after 9 months my credit updated to 7.20, so I applied for an unsecured credit card and I got it quickly.
Last week I decided to cancel my secured card because my credit rate is wonderful know, also they increase my credit card from 5000.00 to 9000,00 after 9 month. they canceled my secured card quickly and yesterday I received a check for the amount I put it to start the secured card. Thank you US bank:)

 

Credit Score: 540 Credit Limit: 2000 Age: 35-44

Posted 01/24 2018

I have very similar experience with many folks here with this card. When I applied, I indicated that I wanted to deposit $2000 for the card. I got the 7-10 day message but 3 days later, $2000 was taken from my bank account (I have a US Bank checking account). I called them and was told I was approved. I feel they could do much better communicating this with new applicants as I can see where this can cause confusion.

Anyway, I use my card regularly and was careful to charge no more than 20% of my available credit. I also made sure that I paid it off every month. Like others, I also noticed that they report to the credit bureaus as secured. After 13 months, I went to my local branch and asked if they could graduate me to an unsecured credit card. I was asked a few questions about my job and mortgage and was approved right there at the branch. I maintained the same $2000 limit and was told the deposit will be refunded in to my checking account. My scores have also gone up from about 540 when I applied to 620. This is a TU FICO score and not creditkarma or creditsesame score.

 

Credit Score: 529 Credit Limit: 300 Age: 35-44

Approved 8 months after Bankruptcy

Income On Application: $60000

Posted 07/19 2015

This card is definitely BK friendly. I was discharged from BK 7 for 8 months when I applied for this card. And I was approved. I got the typically 7-10 day message and by the third day, they have taken $300 from my checking account. I have also since applied and was approved for Discover it secured and capital one secured and opensky. I will be gardening for now and taking a year to build up my credit to a fair level before any other apps. Since I have these 4 cards, I will be able to find out which is my favorite after a few months of using them.