@axledobe wrote:I just saw this! Congrats! With HNB, they seem to manually underwrite all apps. You won't know your limit or APR until it shows up online. If you haven't already done so, I would create an online account as soon as you can. I'm curious, what did you pick as your category and did you get the dark gray or the bright green card? It's a nice looking card either way. And, it's a WMC no matter the limit.
Thanks! 
I found out I'm definitely approved, so once I have CL and APR of this and USBank, I'll make an app approval thead. I can't make an account if I'm not a banking customer, right? 
. Right now, I picked utilities for my category. This is probably going to go back and forth between Travel/Entertainment when I'm travelling, Utilities, and Sporting goods (I'm very active and running gear is not cheap ). 3% back and no Forex WMC makes this a pretty good travel card, and thus between that and 5% on Cash +, I'm thinking I'll be dropping CSP in Feb, as my spending won't justify the fee.
@longtime_lurker wrote:
@axledobe wrote:I just saw this! Congrats! With HNB, they seem to manually underwrite all apps. You won't know your limit or APR until it shows up online. If you haven't already done so, I would create an online account as soon as you can. I'm curious, what did you pick as your category and did you get the dark gray or the bright green card? It's a nice looking card either way. And, it's a WMC no matter the limit.
Thanks!
Congrats again!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@longtime_lurker wrote:SO thanks to axledobe, I went and apped for the HNB Voice, got the "you must go into a branch to finish application" and so I went in with the application ID and handed the guy 2 forms of id and the app. number. He said that he didn't need the application number because the original app was canceled when you need to go into branch. I asked him if there would be 2 pulls on my CR, and he assured me no. He then asked me to choose my 3x category, and then told me I was approved. Did not tell me APR or CL...da faq?
He gave me a printout of disclosures, and that I'd get everything within 5-7 days. Everything that's on there is very very general with ranges of APRs, and terminology such as "if you are approved..."
Is this normal? I'm so confused.
I called the US Bank # and that one is still in process, too. I JUST WANT TO SEE APPROVAL SCREENS
Congrats to you.