US Bank Smartly Approval Thread

[NoMoreE46]

Congrats and welcome to the Smart-ly club.

Most DP show that  USB uses Fico 10 from TU.

---

@Casper476 wrote:

I received approval for the US Bank Smartly credit card today and wanted to share some data points. I first tried to apply for the checking account but was denied due to "inconsistencies" - if you live in a state where US Bank doesn't have branches (I'm in DE) and don't have a relationship with US Bank, you need a credit card, mortgage, car loan, etc. first before you can get the checking account. I'm sure many of you knew this already but I didn't and I'm sure there's someone out there who doesn't know this either! 

Experian FICO 824

They pulled TransUnion - I don't have access to my Trans Union or Equifax FICO scores

No new accounts in the last 12 months, 2 in the past two years

Approved for $15,000 limit

Income = $62,400

---

[Spotsy]

I finally got an approval email from them this evening!  Super stoked, could have knocked me over with a feather.  I applied Saturday/Sunday...went pending, but seriously thought it was declined.

got an approval email this evening.  20k SL.  Not sure of theAPR, but I PIF monthly.

this will easily replace my BoA rewards structure, but my BoA CL is more apt to manage larger purchases.  This one will hopefully grow....wanna maximize that 4% while its is available.

[NoMoreE46]

Nice @Spotsy.

$20000 is a fantastic SL.

---

@Spotsy wrote:

I finally got an approval email from them this evening!  Super stoked, could have knocked me over with a feather.  I applied Saturday/Sunday...went pending, but seriously thought it was declined.

got an approval email this evening.  20k SL.  Not sure of theAPR, but I PIF monthly.

this will easily replace my BoA rewards structure, but my BoA CL is more apt to manage larger purchases.  This one will hopefully grow....wanna maximize that 4% while its is available.

---

[Spotsy]

---

@NoMoreE46 wrote:

Nice @Spotsy.

$20000 is a fantastic SL.

---

@Spotsy wrote:

I finally got an approval email from them this evening!  Super stoked, could have knocked me over with a feather.  I applied Saturday/Sunday...went pending, but seriously thought it was declined.

got an approval email this evening.  20k SL.  Not sure of theAPR, but I PIF monthly.

this will easily replace my BoA rewards structure, but my BoA CL is more apt to manage larger purchases.  This one will hopefully grow....wanna maximize that 4% while its is available.

---

---

Thanks....super happy!