US Bank Smartly Approval Thread

[CreditMagic7]

Not Approval Just Yet- HOWEVER wording came back FIRST Pre-Approved, applied and am waiting. I got the 7-10 message.

Pulled a Single TU. I have had good history standing with US Bank many years so let's see how they approach this.

[SteamyBean]

Hoping this works out for you, @CreditMagic7.  I am going to hit it in a few weeks when some payments hit and the scores get back into the 800's. IT will be my first attempt at anything USBank.

[IntegerIntrovert]

Applied on the 11th. Got 7-10 days message. 

approved today with hard TU pull. 

$25,000

total exposure $85k

4% everything baby!

[unsungivy]

Player 2 was approved last night for 15k. (Immediate approval after a pre-qual check). They opened a USBAR less than 60 days ago!  (So 1/3, 1/6, 2/12) Scores are low 800s.

The website has been acting up all day though? Can't get into the section for this card, even though it lists the last 4 numbers.  It said it was "updating" earlier, but does not say that now. However I've still been unable to get external accounts successfully linked... from either side. Stupid site, shut up and take my money for 4%!

[digitek]

Approved for $15k.

1/6, 1/12, 2/24

FICO 817

Pulled TU in Kentucky

Total exposure at time of app $50k, now $65k

[ptatohed]

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@credit_is_crack wrote:

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@ptatohed wrote:

I can't for the life of me find my APR.  It also won't let me add an authorized user.  

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@ptatohed 

When you're logged into your account, there is a search bar at the very top of the screen (on desktop) - it's an AI bot. 

In there type "whats my card APR". 

It will then pull up your accounts and ask which account you're referring to. Pick your card and the box will pop up showing your APR

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Thanks @credit_is_crack .  I just checked and it says 0% for purchases and Balance Transfers.  31.49% for Cash Advance.  So I still don't know my APR!!!  

[unsungivy]

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@ptatohed wrote:

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@credit_is_crack wrote:

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@ptatohed wrote:

I can't for the life of me find my APR.  It also won't let me add an authorized user.  

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@ptatohed 

When you're logged into your account, there is a search bar at the very top of the screen (on desktop) - it's an AI bot. 

In there type "whats my card APR". 

It will then pull up your accounts and ask which account you're referring to. Pick your card and the box will pop up showing your APR

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Thanks @credit_is_crack .  I just checked and it says 0% for purchases and Balance Transfers.  31.49% for Cash Advance.  So I still don't know my APR!!!  

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Yeah, a bunch of places that have a 0% into APR list that instead of what it will be when that expires. If you call in a CSR should be able to dig it up for you, or you can wait a month till your statement.

[CreditMagic7]

More details soon as i find them.

[ptatohed]

My card has been ordered.  I opened my Smartly Savings last night.  Am I understanding this correctly:

• You don't need a savings or checking to apply for and receive the Smartly Visa - but you do need a Smartly Savings to be eligible for the elevated Visa cash back levels.

• In order to waive the Smartly Visa monthly fee, you need a Smartly Checking.

• The Smartly Checking monthly fee is waived if you have a USB credit card.

Do I have that right?  In other words, do I also now need to open a Smartly Checking to have all monthly fees waived?  Thanks.  

[CreditMagic7]

I'm pretty sure these (Fees Waived Paragraph) check the boxes for your question on that. 

https://www.usbank.com/bank-accounts/checking-accounts/bank-smartly-checking.html