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Valued Contributor
Posts: 1,098
Registered: ‎02-03-2009
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Re: Huntington Bank Voice Credit Card

Those of us who haven't bought a car in awhile (myself) forget about how many times your credit can be pulled when you apply, so when I see 19-25 INQ's i am amazed. I forget sometimes about the car dealers 'shopping for rates' and think they are CC apps.

 

I guess Huntington is not INQ sensitive.


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

Current Scores (11/2015): EQ My Fico: 808; TU MyFico: 799; EX (My Fico): 775
Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
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Re: Huntington Bank Voice Credit Card

 


emptypockets wrote:

Congrats! 19 INQ's WOW


dwayne4607 wrote:

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! 


 



Well I haven't been automobile shopping, just credit cards Smiley Happy. Of the 19, only about four are from this year, so that helps some. I really haven't run into any problems with number of inquiries from any lender at all. I believe the longer the history, the less impact inquiries have with approvals. It also may help that I only let one balance report, so low "debt". I reckon inquiries would matter a lot more if I was 90% on a few cards.

 

Automotive inquiries may only count as one with scoring models, but a computer or underwriter will still see all of them when a report is pulled. I really don't know why they even mention the lumping together because it will still cause a hang up when applying for something.

 

Anyway, yes I am glad to have gotten the card. I really expected a low limit, but I have had surprisingly high limit approvals from lenders pulling Equifax. It used to be that Equifax pulls got me low limits, but that seems to have gone away.

New Member
Posts: 1
Registered: ‎01-03-2013
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Re: Huntington Bank Voice Credit Card

They pulled equifax on me. Kentucky
Established Contributor
Posts: 560
Registered: ‎10-22-2012
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Re: Huntington Bank Voice Credit Card

Is this available nationwide now?

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Established Contributor
Posts: 885
Registered: ‎05-26-2013
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Re: Huntington Bank Voice Credit Card


zyzzus wrote:
Is this available nationwide now?

Not according to the online chat I had today, the gentleman said because I live in MA and am not in their physical footprint I was unable to apply for CC and checking account.


Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
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Re: Huntington Bank Voice Credit Card


odd_dog wrote:

zyzzus wrote:
Is this available nationwide now?

Not according to the online chat I had today, the gentleman said because I live in MA and am not in their physical footprint I was unable to apply for CC and checking account.


According to this recent post, it seems it's available nationwide.

 

http://ficoforums.myfico.com/t5/Credit-Cards/Huntington-Bank-update-on-Voice-credit-card-Now-availab...

Regular Contributor
Posts: 147
Registered: ‎10-07-2013
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Re: Huntington Bank Voice Credit Card

3% on utilities would be 1% more than you can get with Barclay rewards.  If you had $700ish in utility bills a month then you could get the max amount each quarter.


FICO EQ: 733 TU: 727 CS FAKO EX: 737                                                                                               In the garden since 5/9/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Huntington Bank Voice Credit Card

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
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Re: Huntington Bank Voice Credit Card


09Lexie wrote:

The 3% on utilities would be very nice!  


Yes indeed!  This pretty one is on my radar for Fall. 

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