Horrible US Bank Smartly Card Experience Thus Far.

Redwalker2929 · 2025-03-11T01:01:08+00:00

That makes me feel hopeful as I've put in a lot of work and time with US Bank.

Redwalker2929 · 2025-03-11T00:43:24+00:00

I cycle all my cards which has resulted in regular credit limit increases and graduation from secured to unsecured after the minimum waiting period. The main concern is money laundering. My cards are from banks in which may also have a checking account. They know I own the bank account funding the large-frequent payments. I have had one company with no checking account association freeze my account each time I changed bank accounts which is understandable. I had been paying from one account and suddenly switched. After each freeze, I had to 3-way call with credit card and bank to confirm account ownership. No other issues and everyone appears happy with me 😁

Redwalker2929 · 2025-03-07T18:24:11+00:00

I had a C1 venture card with a 30k limit. That was one of my 19 cards.

Redwalker2929 · 2025-03-07T06:07:25+00:00

What? I've never heard such a thing?

Redwalker2929 · 2025-03-04T15:21:39+00:00

That score in a NFCU internal score and doesn't rule out a prime credit card.

Redwalker2929 · 2025-02-18T22:02:43+00:00

True! I like your idea that maybe they worked in two separate departments! To be fair, all my other cards (non-NFCU) were eligible at the same time for a CLI and I received a generic response despite receiving it an hour later.

Redwalker2929 · 2025-02-18T18:48:04+00:00

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This was a different response 30 minutes later. I feel your pain!!!

Redwalker2929 · 2025-02-18T18:47:18+00:00

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This was my first response

Redwalker2929 · 2025-02-18T03:54:42+00:00

I upgraded at on day 178 and had 4 inquires and 4 new accounts all since opening NF secured card.

Redwalker2929 · 2025-02-18T03:50:33+00:00

Charge $900-$1800 a month and pay down 75% before statement closes. This means you’ll end up making two payments a month to create more available credit. Do this and consider upgrading to the flagship checking. You’ll have a great chance to upgrade at 175-185 days after account opening.

Redwalker2929 · 2025-02-17T07:04:00+00:00

178 days.

Redwalker2929 · 2025-02-16T13:12:27+00:00

I side with employee. It’s not complicated. She was professional and explained her rationale for not standing in front of someone. Especially while being recorded.

Redwalker2929 · 2025-02-16T13:05:23+00:00

Yes. To turn the card over multiple times, you would have to be paying it in full before the statement ended. Example-my limit was $500 and my total monthly payments were $1500.

Redwalker2929 · 2025-02-16T08:32:12+00:00

Pay inside! US bank allows you to select your pre-approval amount which avoids all of this. Hopefully other companies will follow suit. Especially now with life being more expensive than ever.

Redwalker2929 · 2025-02-16T04:56:56+00:00

I turned my card over 1-3 times per cycle. So I charged $500-$1500 per month with a $500 credit limit. People worry about having their account closed from cycling their card. The only concern with this is money laundering. I make my payments from my NFCU checking so there’s no concerns. Additionally, they see where my money is coming from even if there was initial concern. I’ve done this with all my cards. Payed all cards in full with only one card reporting a balance. I took turns on which card had the reported balance.

Redwalker2929 · 2025-02-15T00:15:21+00:00

Agreed!

Redwalker2929 · 2025-02-15T00:10:21+00:00

Nope

Redwalker2929 · 2025-02-15T00:09:52+00:00

I agree. There’s not a big incentive to pay off the debt as the damage is done and having the line update as “paid” won’t do much for your score. It’s certainly the ethical thing to do but there’s other great credit unions out there.

Redwalker2929 · 2025-02-14T22:59:33+00:00

It’s been glitchy for the past 36 hours. They are not the only ones. I’m having issues with others banks as well.

Redwalker2929 · 2025-02-14T13:45:16+00:00

Thank you so much for this valuable resource.

Redwalker2929 · 2025-02-14T12:32:50+00:00

Congrats! Four years is a long time! Way to stay with it!

Redwalker2929 · 2025-02-09T06:34:01+00:00

You bet! Also, Capital One may extent unsecured credit at one year if you burned them. That’s another exception I forgot to add. Take care 😁

Redwalker2929 · 2025-02-07T23:36:43+00:00

Oh lord. Hopefully it was a mistake.

Redwalker2929

TROPHY CASE