Should I apply to US Bank Smartly Visa before or after I open the accounts and move assets to optimize credit limit?

Help Needed / Question Forum
21

I wouldn’t bother moving assets until the card is open.

22

I opened the card first, then started moving my assets. I used the pre-approval tool. Unfortunately, I didn’t open the checking account with the $450 bonus link, so that is a missed opportunity for me.

  • Approved limit: $15K
  • Income: $200K
  • Vantage Score: 825
  • Inquiries (TransUnion): 9 / 24
  • Available credit: $320K
  • Credit usage: 1%
  • New cards: 10 / 24