@TrapLine wrote:Will add, I did the US Bank Cash+ Visa conversion to the US Bank Smartly Visa by telephone. Worked well and I received the metal Smartly Card in five calendar days.
Nice. Always a let down for me when a plastic card shows up nowadays. Any idea if we can instantly qualify for the 4% rate if we deposit 100k within the first 30 days after receiving the card, or do we have to wait until 90 days have gone by to qualify? With BofA they give you early access to Platinum Honors if you hit the threshold within the first 30 days of account opening.
Ah I found it:
Combined Balances are based on the average daily balance of the previous 3 months (calculated monthly) (or, for account(s) open less than 3 months, the average daily balance of the applicable time frame). The applicable Smartly Earning Bonus will be determined by reviewing the Combined Balances in the qualifying accounts of each Cardmember (if there is more than one) and using the total Combined Balances of the individual whose accounts have the highest total.
I can't even guess as to what he was talking about. Maybe another rep there would make more sense.
You can just do an in-kind transfer from Fidelity which would transfer any stock or bond over via ACAT without having to liquidate it first. Most should work aside from crypto and leveraged ETFs which some of these old brokerages don't like.
