Reply
New Contributor
Kalamazoo2714
Posts: 62
Registered: ‎04-29-2012
0

Re: Huntington Bank Voice Credit Card

That is their general criteria he said. But you said yourself you've been with them 16 years. If not for that you probably wouldn't have been approved. I know that's a fact. It's not impossible, but an average person without an account wouldn't be approved with bankruptcy.
Member
dwayne4607
Posts: 9
Registered: ‎08-23-2013
0

Re: Huntington Bank Voice Credit Card

OK, true enough.  But that's another reason why I love Huntington.  They seem to actually LOOK at the application and consider all of the factors instead of just automatically approving or declining on some predefined criteria.  Their policies are more customer-friendly than any other bank in the Columbus, OH area. 

Established Contributor
emptypockets
Posts: 1,008
Registered: ‎02-03-2009
0

Re: Huntington Bank Voice Credit Card

So, I was able to get my limit today (card showed up in online account). Approved for 13.5k limit. They did pull EQ. Can't tell what APR I got yet, since actual card has not arrived.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 795; EX (My Fico): 765; Walmart TU Fico 08 (12/2014): 788
Established Contributor
emptypockets
Posts: 1,008
Registered: ‎02-03-2009
0

Re: Huntington Bank Voice Credit Card


Hammer23 wrote:

I applied... 676 EFX FICO (my lowest :smileysad:  with a BK7 Discharge in 09... got the 5-7 day message but said "based on your profile we would like to reccommed" and suggested a checking and savings.

 

I called in today, they could not find an account for me (not a good sign i take it). They said it takes a few days for them to decision as the product is still new. Said I would be notified of approval status in 5-7 days and if approved cards would be 5-7 days behind that. Very friendly customer service, the lady went out of her way to assit me and I have ZERO business with HNB.


FYI - you should know when you get approved, you will get a computer generated email about setting up your online account (even without the card). For me, I apped 9/17, registered for online banking (requires a phone call in to get temp user id and password). Card (showing limit) showed up online on 9/19.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 795; EX (My Fico): 765; Walmart TU Fico 08 (12/2014): 788
Member
dwayne4607
Posts: 9
Registered: ‎08-23-2013
0

Re: Huntington Bank Voice Credit Card

Still don't know the APR because the card hasn't arrived yet, but the account showed up in my list of accounts in online banking.  $12,500.  I just about fell out of my chair.  LOVE Huntington!

Established Contributor
emptypockets
Posts: 1,008
Registered: ‎02-03-2009
0

Re: Huntington Bank Voice Credit Card


dwayne4607 wrote:

Still don't know the APR because the card hasn't arrived yet, but the account showed up in my list of accounts in online banking.  $12,500.  I just about fell out of my chair.  LOVE Huntington!


Niiccce!

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 795; EX (My Fico): 765; Walmart TU Fico 08 (12/2014): 788
Frequent Contributor
Hammer23
Posts: 428
Registered: ‎01-21-2012
0

Re: Huntington Bank Voice Credit Card

Got my letter today... Says presence of bankruptcy....

Oh well looks like I'm stuck to crappy 2% rewards on my Barclaycard Rewards and 1.5% on my soon to be quicksilver. 😔
WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Valued Contributor
navigatethis12
Posts: 1,954
Registered: ‎01-24-2012
0

Re: Huntington Bank Voice Credit Card

I had trouble with this since they wanted Equifax and I thought the inquiries and lowest score would be a hinderance. I finally relented and they pulled it on Tuesday. I logged just a few minutes ago and the card is showing up with a 10,000 limit. So I had nothing to worry about and am glad I applied. I just closed the American Express Blue Cash Everyday in anticipation and am glad that I did. The limit isn't the lowest, but also not the highest, so I'm pleased with it.

 

3 new accounts in the past two months

19 inquiries

<1% utilisation with 1727 in balances

3 year five month history

1 year average age of accounts

Established Contributor
emptypockets
Posts: 1,008
Registered: ‎02-03-2009
0

Re: Huntington Bank Voice Credit Card


navigatethis12 wrote:

I had trouble with this since they wanted Equifax and I thought the inquiries and lowest score would be a hinderance. I finally relented and they pulled it on Tuesday. I logged just a few minutes ago and the card is showing up with a 10,000 limit. So I had nothing to worry about and am glad I applied. I just closed the American Express Blue Cash Everyday in anticipation and am glad that I did. The limit isn't the lowest, but also not the highest, so I'm pleased with it.

 

3 new accounts in the past two months

19 inquiries

<1% utilisation with 1727 in balances

3 year five month history

1 year average age of accounts


Congrats! 19 INQ's WOW


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 795; EX (My Fico): 765; Walmart TU Fico 08 (12/2014): 788
Member
dwayne4607
Posts: 9
Registered: ‎08-23-2013
0

Re: Huntington Bank Voice Credit Card

I'm not saying this is a good thing, but I have 26 inquiries....6 of which are from when I bought a car and the dealer told me that they would count as 1....right.  I don't know that inquiries carry as much weight as some would lead you to believe.  Anyway, I'm glad to hear that you got it! 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}