US Bank Smartly Approval Thread

[MJ-san]

App'd on 11/11 and got the 7-10 day reply. Approved on 11/17, 15k. Card should have been here 11/22 but nothing yet.

Have a Cash+ 14.4k and Altitude Go 20k. Wish they would allow reallocation from Go to Smartly as this could become my everyday card. Opened checking and savings and will move 100k from a Merrill IRA to get the 4% cash back. 

[ptatohed]

Checked the mail today.  The only thing I received was two postcard style letters from USB to verify that mrs. ptatohed and I really applied for the Smartly Savings.  If we did, do nothing.  Still can't add her as an AU to the credit card.  Still can't open a Smartly checking.  :-|

[TrapLine]

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@ptatohed wrote:

Checked the mail today.  The only thing I received was two postcard style letters from USB to verify that mrs. ptatohed and I really applied for the Smartly Savings.  If we did, do nothing.  Still can't add her as an AU to the credit card.  Still can't open a Smartly checking.  :-|

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At least they did not tell you to go pound sand.

Received similar letters and the bank claims that they could not ID me. Very interesting, as I am one of there customers' for many years. I just let the applications lay and die. They did do a soft inquiry of Experian.

Will say, how can some one be unverifiable as a customer and show as there customer in the credit bureaus for over twelve years?

Financials and their processes defy logic!

Now in truth, I did not know it was only ID (had a CSR helping and they did not know reason for denial). So, being a resourceful MyFicoer, I p/cd a bank savings and checking accounts to the Smartly program and went after the new black card and it all worked. More than one way to skin a cat

[credit_is_crack]

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@ptatohed wrote:

Checked the mail today.  The only thing I received was two postcard style letters from USB to verify that mrs. ptatohed and I really applied for the Smartly Savings.  If we did, do nothing.  Still can't add her as an AU to the credit card.  Still can't open a Smartly checking.  :-|

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 @ptatohed not sure if you're opening the checking because you want it, or for savings maintenance waiver, but noticed in one of the emails I got after approval that you don't need the checking to waive the savings account $5 month fee. Found this in the T&C's, so looks like they updated the requirement. If you have the card, then it waives the savings monthly fee

It was in the email titled "Congrats! You're earning more, Smartly" - check the terms and conditions at the very bottom of that email.

[ptatohed]

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@credit_is_crack wrote:

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@ptatohed wrote:

Checked the mail today.  The only thing I received was two postcard style letters from USB to verify that mrs. ptatohed and I really applied for the Smartly Savings.  If we did, do nothing.  Still can't add her as an AU to the credit card.  Still can't open a Smartly checking.  :-|

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 @ptatohed not sure if you're opening the checking because you want it, or for savings maintenance waiver, but noticed in one of the emails I got after approval that you don't need the checking to waive the savings account $5 month fee. Found this in the T&C's, so looks like they updated the requirement. If you have the card, then it waives the savings monthly fee

It was in the email titled "Congrats! You're earning more, Smartly" - check the terms and conditions at the very bottom of that email.

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Dude. @credit_is_crack , you rock.  I'd prefer not to have the checking if I don't need it to waive all fees.  Thanks!!!!!!!!    

[TrapLine]

All of the information is helpful.

Now to receive the Tiered Interest rates on the Smartly Savings ... will you need a Smartly Checking? In reading it does appear that the Smartly Credit Card or products that qualify will be enough?

[TrapLine]

For the science of it, I joined the MyFico crowd and jumped on the band wagon!

Precious arrived. Now I am one with a Black Card. Last Black Card I had was the Michigan National Bank Visa of 1982 (Black with a Gold and White Visa in the Center).

[NoMoreE46]

My Informed Delivery is showing  a Fargo ND letter coming.  This has got to be the card.

[credit_is_crack]

US Banks online infrastructure must still be updating various parts of the site and apps when it comes to the smartly visuals. Today when i clicked on "Rewards Details" on desktop it showed this as my card  Rose Gold Smartly??

[credit_is_crack]

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@ptatohed wrote:

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@credit_is_crack wrote:

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@ptatohed wrote:

Checked the mail today.  The only thing I received was two postcard style letters from USB to verify that mrs. ptatohed and I really applied for the Smartly Savings.  If we did, do nothing.  Still can't add her as an AU to the credit card.  Still can't open a Smartly checking.  :-|

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 @ptatohed not sure if you're opening the checking because you want it, or for savings maintenance waiver, but noticed in one of the emails I got after approval that you don't need the checking to waive the savings account $5 month fee. Found this in the T&C's, so looks like they updated the requirement. If you have the card, then it waives the savings monthly fee

It was in the email titled "Congrats! You're earning more, Smartly" - check the terms and conditions at the very bottom of that email.

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Dude. @credit_is_crack , you rock.  I'd prefer not to have the checking if I don't need it to waive all fees.  Thanks!!!!!!!!    

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Rewind!! @ptatohed @TrapLine 

So, Yes, you do NOT need the checking account to waive the $5 monthly savings fee, but you DO need it to earn the elevated savings rates. When playing with the calculator online...

Savings APY with balance of $5k and no checking account = 0.05%

Savings APY with balance of $5k plus the checking account = 2.80%