topic Re: Huntington Voice Approved...I think? Help in Credit Cards

Huntington Voice Approved...I think? Help

longtime_lurker — Sat, 27 Sep 2014 15:32:34 GMT

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

Re: Huntington Voice Approved...I think? Help

Anonymous — Sat, 27 Sep 2014 18:25:17 GMT

I called the customer service number 2 days after apping and they told me my Approval and credit limit. Just the regular Huntington customer service number. It showed up in my online accounts the day after that.

Re: Huntington Voice Approved...I think? Help

Burned2manybridgesB4 — Sat, 27 Sep 2014 18:34:29 GMT

Has the availability of this card gone nationwide yet? Haven't kept track of it.

Re: Huntington Voice Approved...I think? Help

B335is — Sat, 27 Sep 2014 20:45:41 GMT

LTL, that's the first i heard of them approving that way. Maybe its a verification thing. With my 2nd card they wouldn't give me the limit over the phone, so i had to wait for it to show on my homepage.

Re: Huntington Voice Approved...I think? Help

longtime_lurker — Sat, 27 Sep 2014 21:20:05 GMT

@B335is wrote:
LTL, that's the first i heard of them approving that way. Maybe its a verification thing. With my 2nd card they wouldn't give me the limit over the phone, so i had to wait for it to show on my homepage.

Maybe, but it's very weird...they pull EQ right? There's 1 other INQ on EQ from Discover from 2/14, so it's going to be my best report. There isn't anything that should scare them off...especially if my Cash + indeed stays an approval. That's apparently in verifications dept. and they are in Monday-Friday >.<

Only thing I could think would be 31k income w/35k CL's, but my util is at 1% and many people have more than 200% their income.

I guess I would think Cash + would be a harder approval than HNB, but who knows...

Re: Huntington Voice Approved...I think? Help

longtime_lurker — Sat, 27 Sep 2014 21:23:38 GMT

@Burned2manybridgesB4 wrote:
Has the availability of this card gone nationwide yet? Haven't kept track of it.

AFAIK, it's still regional. Haven't seen anything on here or elsewhere saying it was nationwide. Could be wrong though. I'm in MI

Re: Huntington Voice Approved...I think? Help

Themanwhocan — Sun, 28 Sep 2014 00:11:48 GMT

@B335is wrote:
LTL, that's the first i heard of them approving that way. Maybe its a verification thing. With my 2nd card they wouldn't give me the limit over the phone, so i had to wait for it to show on my homepage.

Well, I can't deal with such indecision. You'll just have to apply for a 3rd Voice card, just to break the tie.

Re: Huntington Voice Approved...I think? Help

B335is — Sun, 28 Sep 2014 00:46:16 GMT

@longtime_lurker wrote:
@B335is wrote:
LTL, that's the first i heard of them approving that way. Maybe its a verification thing. With my 2nd card they wouldn't give me the limit over the phone, so i had to wait for it to show on my homepage.
Maybe, but it's very weird...they pull EQ right? There's 1 other INQ on EQ from Discover from 2/14, so it's going to be my best report. There isn't anything that should scare them off...especially if my Cash + indeed stays an approval. That's apparently in verifications dept. and they are in Monday-Friday >.<

Only thing I could think would be 31k income w/35k CL's, but my util is at 1% and many people have more than 200% their income.

I guess I would think Cash + would be a harder approval than HNB, but who knows...

Yes, they pulled EQ for me. My first card told me the limit right away, the second had to go through the underwriters they told me. Both are the same limits though. I heard they were trying to tighten online security, maybe that's why?

Re: Huntington Voice Approved...I think? Help

B335is — Sun, 28 Sep 2014 00:47:02 GMT

@Themanwhocan wrote:
@B335is wrote:
LTL, that's the first i heard of them approving that way. Maybe its a verification thing. With my 2nd card they wouldn't give me the limit over the phone, so i had to wait for it to show on my homepage.
Well, I can't deal with such indecision. You'll just have to apply for a 3rd Voice card, just to break the tie.

I can't believe I'm saying this but two is enough for now.

Re: Huntington Voice Approved...I think? Help

Anonymous — Sun, 28 Sep 2014 12:35:53 GMT

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.

Re: Huntington Voice Approved...I think? Help

longtime_lurker — Sun, 28 Sep 2014 14:49:53 GMT

@Anonymous 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.

Re: Huntington Voice Approved...I think? Help

coldnmn — Sun, 28 Sep 2014 15:00:46 GMT

@longtime_lurker wrote:
@Anonymous 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.

Congrats again!

Re: Huntington Voice Approved...I think? Help

credithappy — Sun, 28 Sep 2014 20:11:05 GMT

@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.