topic Re: US Bank Smartly Approval in Credit Card Approvals

US Bank Smartly Approval

Throttle — Mon, 17 Mar 2025 17:13:42 GMT

Applied for Smartly card and was just approved. They gave me a $1k starting CL, but hey it's better than a denial. Pulled TU. I've had a checking + savings with them for a few months now but was planning to close it prior to applying. Guess I'll load up $5k to hit the 2.5% while I figure out what I'm doing with it.

Question is how soon can I request CLI and is it sp or hp?

Re: US Bank Smartly Approval

coreyb80 — Mon, 17 Mar 2025 20:06:25 GMT

Congrats!

Re: US Bank Smartly Approval

Rebuild2019 — Mon, 17 Mar 2025 22:35:25 GMT

Congratulations on your approval. I know it's just me, but if my starting limit is $1000 my $5000 is staying where it is for 2.5 %.

Just business. 😁 Good Luck getting the limit up.

Re: US Bank Smartly Approval

CreditMagic7 — Tue, 18 Mar 2025 01:27:06 GMT

Congrats on the USB Smartly approval!

They approved me a couple months ago for an enemic profile damaging $500 and i straightway closed it,

Re: US Bank Smartly Approval

Throttle — Tue, 18 Mar 2025 02:42:22 GMT

@CreditMagic7 wrote:
Congrats on the USB Smartly approval!
They approved me a couple months ago for an enemic profile damaging $500 and i straightway closed it,

I feel like i'd do the same for $500. However I have a bit of a dirty profile sooo i'll take whatever relationship building amount I can get.

I think I can make $1k work for a bit as a secondary card while I wait to get the cash for higher tiers into USBs ecosystem.

Re: US Bank Smartly Approval

xiuxiuejar — Wed, 19 Mar 2025 05:24:49 GMT

Rumor has it the card is about to be nerfed- they've already started to gut the entire "smartly" deposit account program (no more checking fee waived with a credit card). It wouldn't be the first time time US Bank has changed their card from "too good be true!" to simply "meh." I swear the company US Bank should have a co-branded card with is Hasbro (maker of the nerf ball)...

Re: US Bank Smartly Approval

cashorcharge — Sat, 22 Mar 2025 23:24:12 GMT

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂

Re: US Bank Smartly Approval

salt_water_swimming — Tue, 25 Mar 2025 04:47:56 GMT

@Throttle wrote:

Question is how soon can I request CLI and is it sp or hp?

Can request as soon as the card arrives in the mail

It's a hard pull

Re: US Bank Smartly Approval

ptatohed — Mon, 31 Mar 2025 06:45:50 GMT

Congrats. $5,000 for 2.5% CB is a nice sweet spot. $1,000 limit is low but you can make mid-month payments for now. You can maybe open a self-directed investment account and stick the $5000 in to safe SCHD ETF or maybe take their 4.00% CD for now, until the market volatility stabilizes.

Re: US Bank Smartly Approval

NoMoreE46 — Sat, 05 Apr 2025 02:35:57 GMT

Grats.

You can request one immediately. At least two successful threads for CLI in about 30 days (these were TU HPs.)

@Throttle wrote:
Applied for Smartly card and was just approved. They gave me a $1k starting CL, but hey it's better than a denial. Pulled TU. I've had a checking + savings with them for a few months now but was planning to close it prior to applying. Guess I'll load up $5k to hit the 2.5% while I figure out what I'm doing with it.

Question is how soon can I request CLI and is it sp or hp?

Re: US Bank Smartly Approval

CreditAggie — Sun, 27 Apr 2025 20:38:01 GMT

Congratulations on your US Bank Smartly approval!

Re: US Bank Smartly Approval

TARHEELGIRL82 — Thu, 15 May 2025 13:00:26 GMT

Congrats on your approval! Hopefully you'll get good use out of it and it will grow.

Re: US Bank Smartly Approval

LADave — Sun, 18 May 2025 03:55:47 GMT

@NoMoreE46 wrote:
Grats.

You can request one immediately. At least two successful threads for CLI in about 30 days (these were TU HPs.)

USB also does soft pull CLIs, although I don't know of any that were successful within 30 days after the card arrived in the mail.

Re: US Bank Smartly Approval

NoMoreE46 — Sun, 18 May 2025 22:28:57 GMT

@LADave wrote:
@NoMoreE46 wrote:
Grats.

You can request one immediately. At least two successful threads for CLI in about 30 days (these were TU HPs.)
USB also does soft pull CLIs, although I don't know of any that were successful within 30 days after the card arrived in the mail.

I was able to get CLI on mine pretty quickly. It was a HP.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Smartly-card-CLI/td-p/6802073

Re: US Bank Smartly Approval

indiolatino61 — Sun, 18 May 2025 23:19:54 GMT