topic Re: Huntington approved??? in Credit Card Approvals

Huntington approved???

12njoy — Mon, 24 Mar 2014 17:07:06 GMT

I applied for a Huntington Voice credit card on March 15, 2014. Received 5-7 day pending notice. Received a letter in the mail on March 21, 2014 stating that Equifax had no credit file on me (it was on ice). Thawed report first thing this morning. Just called Huntington and credit department said application was approved, but still in processing. CSR couldn't give me any other information because application was still processing. I've never heard of this before so I called back. I got a different CSR who told me basically the same thing as the first CSR. The second person said call back and they should have more information by the end of the week. I'm a little nervous because I was declined ebates and DCU this weekend. Has anyone here ever went through this with Huntington or any other creditor? I have never heard this before. I thought once you were approved, you were given a credit limit. I realize that the card has to be made and sent out, but usually you get the credit limit. I've already did my daily pull on EQ so I can't see if they did a HP today. Will have to wait until tomorrow for that. Any experiences given would be appreciated. Thank you.

Re: Huntington approved???

Built2last — Mon, 24 Mar 2014 17:45:28 GMT

I was immediately approved in January. Sorry I can't be of more help but I love the card and generous initial CL. Good luck. I am sure it will work out shortly.

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 17:47:23 GMT

It looks like I was immediately approved once I unlocked my report (unlocked this morning and they said I'm approved) but don't know the limit. Did you get your credit limit immediately?

Re: Huntington approved???

gdale6 — Mon, 24 Mar 2014 18:52:13 GMT

Instant approvals are revoked by the UW staff every day of the week, more prominent with US Bank. Is not much info on Huntington Bank out there since they are relatively new in issuing their own cards again. My advice is to just wait and call as suggested.

Re: Huntington approved???

Built2last — Mon, 24 Mar 2014 18:56:54 GMT

@12njoy, I received my CL immediately upon approval.

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 19:11:12 GMT

@gdale6 wrote:
Instant approvals are revoked by the UW staff every day of the week, more prominent with US Bank. Is not much info on Huntington Bank out there since they are relatively new in issuing their own cards again. My advice is to just wait and call as suggested.

Thanks. I have no choice, but to wait now

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 19:12:26 GMT

@Built2last wrote:
@12njoy, I received my CL immediately upon approval.

Thanks, I'll update later in the week. Looks like this can go either way.

Re: Huntington approved???

B335is — Mon, 24 Mar 2014 19:20:10 GMT

I was instantly approved for this card 6 months ago for $10k online. No relationship to Huntington, card arrived about 10 days later. Congrats, its a good card to have, you will like it!

ETA: I believe their front line staff does not have immediate access to your credit limit. I read this happened to a few people when the card came out. I dont recall how they found out limit before the card arrived.

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 19:34:44 GMT

@B335is wrote:
I was instantly approved for this card 6 months ago for $10k online. No relationship to Huntington, card arrived about 10 days later. Congrats, its a good card to have, you will like it!

ETA: I believe their front line staff does not have immediate access to your credit limit. I read this happened to a few people when the card came out. I dont recall how they found out limit before the card arrived.

Thanks B335is. So it sounds like, based on your experience, that it may very well be a go for me.

Re: Huntington approved???

emptypockets — Mon, 24 Mar 2014 20:14:39 GMT

@12njoy wrote:
It looks like I was immediately approved once I unlocked my report (unlocked this morning and they said I'm approved) but don't know the limit. Did you get your credit limit immediately?

I was approved and had to go to local branch to verify identity. I could see the approval on the screen, and there was no limit. They don't give the limit at time of approval. Mine was approved for 13.5k.

I was was able to get limit when they sent email to set up online account (you can set it up without card), then I could see the limit. The card came about a week later.

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 20:17:47 GMT

@emptypockets wrote:
@12njoy wrote:
It looks like I was immediately approved once I unlocked my report (unlocked this morning and they said I'm approved) but don't know the limit. Did you get your credit limit immediately?
I was approved and had to go to local branch to verify identity. I could see the approval on the screen, and there was no limit. They don't give the limit at time of approval. Mine was approved for 13.5k

thanks emptypockets. I talked to underwriting this morning. I originally called in to regular customer service and they said they couldn't help me and transferred me to the credit department which I assume was underwriting. That is who told me application was approved but still processing.

Re: Huntington approved???

dodgerslv — Mon, 24 Mar 2014 20:47:21 GMT

congrats on the approval 12njoy! hopefully its a 5 digit limit!.

Re: Huntington approved???

-Wade- — Mon, 24 Mar 2014 22:02:42 GMT

@12njoy wrote:
I applied for a Huntington Voice credit card on March 15, 2014. Received 5-7 day pending notice. Received a letter in the mail on March 21, 2014 stating that Equifax had no credit file on me (it was on ice). Thawed report first thing this morning. Just called Huntington and credit department said application was approved, but still in processing. CSR couldn't give me any other information because application was still processing. I've never heard of this before so I called back. I got a different CSR who told me basically the same thing as the first CSR. The second person said call back and they should have more information by the end of the week. I'm a little nervous because I was declined ebates and DCU this weekend. Has anyone here ever went through this with Huntington or any other creditor? I have never heard this before. I thought once you were approved, you were given a credit limit. I realize that the card has to be made and sent out, but usually you get the credit limit. I've already did my daily pull on EQ so I can't see if they did a HP today. Will have to wait until tomorrow for that. Any experiences given would be appreciated. Thank you.

Congrats on your approval

Re: Huntington approved???

12njoy — Mon, 24 Mar 2014 22:24:22 GMT

Thanks everyone. I guess there's a chance that I could still be denied. Well definitely update board once I'm sure when I receive a credit limit. My stats are EQ Fico of 681, 1 settled CO, 11 inquiries, 64k income and a ton if new accounts, if this information helps someone else thinking of app'ing for this card. Also, I have no existing relationship with huntington.

Re: Huntington approved???

12njoy — Tue, 25 Mar 2014 13:32:10 GMT

Well I got disappointing news today about this card. I was approved, but only for $500 . This card will primarily be sock drawered with the occassional fuel fill up. No since in declining the card since I've alread taken the HP. Hopefully, in a year when all these new accounts age and the last remaining CO on EQ falls off, I'll be able to get a higher limit. Here's hoping that the CSR missed a zero in the credit limit

Re: Huntington approved???

alvon123 — Tue, 25 Mar 2014 20:57:20 GMT

@12njoy wrote:
It looks like I was immediately approved once I unlocked my report (unlocked this morning and they said I'm approved) but don't know the limit. Did you get your credit limit immediately?

congrats

Re: Huntington approved???

B335is — Tue, 25 Mar 2014 21:57:50 GMT

Sorry to hear about the limit but at least they approved. I think Huntington Is sensitive to negs.

Re: Huntington approved???

12njoy — Tue, 25 Mar 2014 22:04:11 GMT

Thank you. I have one negative left on EQ. I think it was the number of inquiries and new accounts. I have like 9 inquiries and all but 3 accounts opened since July 2013. Here's hoping that wells Fargo gives me some love with my pending app. They said underwriter has reviewed application but waiting on verification of ss card.

Re: Huntington approved???

Ron1 — Tue, 25 Mar 2014 22:18:09 GMT

Congrats on your approval!!! Sorry to hear about your limit.

Ron.

Re: Huntington approved???

CreditMagic7 — Tue, 25 Mar 2014 22:21:11 GMT

Congrats! 12njoy.
Not a celebratory SL for you but at least not a denial with a potential wasted HP. Just run some minor PIF useages thru it occasionally and after awhile it should begin to grow as you need it too.