Key Bank Line Of Credit ?

[AllPro]

Anyone use them here ? I was going to ask for a CLI but wondered if it was a HP or SP. I tried the search and all info is out dated .

[Anonymous]

I work for Key. It will be a hard pull.

[Anonymous]

Do you need to have a keybank account for loans and credit cards?

What kind of scores do they look for loan approvals and how conservative are they?

Their personal loan rates look good.

[AllPro]

To bad on the hardpull

 As far as having a account with them im not sure. I have had an account with them for about three years and almost no money in my account at all, overdrafted the account a few times too. For a starting limit they gave me 1000.00 @ 15.4% at the time i only had a secured(200) orchard opened for 2 years and a unsecured(300) for 2 months.

[Anonymous]

There is a lot of different products. You do not have to have an account for our credit cards, Elan is the under writer on those.

For cash reserve credit (loc) you have to have a checking account and a score around 660 and min line is 1k
For preferred credit line (loc) you do not have to have a checking account. Need a score over 700 and min line is 5k

You can only have one major derogatory in last 5years (bk, foreclsoure, repo etc.)

[Anonymous]

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@Anonymous wrote:
There is a lot of different products. You do not have to have an account for our credit cards, Elan is the under writer on those.

For cash reserve credit (loc) you have to have a checking account and a score around 660 and min line is 1k
For preferred credit line (loc) you do not have to have a checking account. Need a score over 700 and min line is 5k

You can only have one major derogatory in last 5years (bk, foreclsoure, repo etc.)

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How inquiry sensitive are they?

[Anonymous]

It really depends on how strong your credit file is.