I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit. 
