5/3 Bank Trio question.

[Anonymous]

Applied from a pre qualified letter for Trio. The message wasn’t an instant approval or denial. I called 5/3 and I dont have a pre existing account so they said they could give no details.
A day later they HP my trans union. After a week I got a letter today, at its only a copy of my TU score and how to understand it, my score was 783.
Calling the number for 5/3 it says enter your ss number, when I do so it then says to enter your account number. If i try a bogus ss number it says please try again so I must have an account?
Whats anyone else’s experience with how long it takes to get an answer from them?
Also anyone care to share what cl you have with them, im hoping for atleast 10k because I plan a balance transfer of 2500 and I want utilization to be as low as can be.

Also, this is my first post ever. Happy to meet you all!

[Girlzilla88]

Nice to meet you as well and I look forward to a reply I am not sure as I don't even know what the 5/3 is referring to but I am intrigued to learn as much as possible from here so far it has helped a ton 

[Anonymous]

Hi girlzilla88, nice to meet you!
By 5/3 I mean Fifth Third Bank, the one card they have is called Trio.
I’ve seen the myFico forums before in reponse to different questions I googled and finally joined.
I never really thought credit was of much use before, until now that is and Ive gone bonkers in the last 3 years of establishing my credit by having 19 new accounts!
It’s like an addiction for me in understanding how credit works, what to do and what not to do. I’m 783 after 3 years so I must have learned something.
I can rample on and talk about credit all day and may come off as a looney toon so apologies in advance!

[Girlzilla88]

Oh you are perfectly fine I was up in the 750's then did a few crazy things dropped it down to upper 6's and now building back and learning a lot along the way so I get it I started out in the 5's so I am like you and the more I am learning the more I am going a little addicted to credit hahaha.     But it's been awesome to learn what I have and just wish I knew it sooner I started early 2018 and can't wait to hopefully 800's

[Anonymous]

That’s awesome glad to see your back in the 700s.
I see you have the Cash Magnet Card from American Express? I love how that card looks but mine only has a 1k limit, I have blue cash with 10k so I don’t get the extreme difference in credit lines with me. I have the green card as well it was my third card and has a 100 annual fee and the perks suck but I keep it for now.
When I started off most of my credit lines were low, so I just kept getting more and more cards to supplement my low limits.
I guess i should have waiting as my score increased and I would’ve gotten better limits. I think I just got my foot in the door with most of the places I was approved for.
Every 6 months or so i make rounds by requesting increases which usually results in an extra few grand.
Another thing ive been doing is requesting lower APR because most of my cards were like 20+ %. I didnt know I could get better APR on existing lines of credit.

[Girlzilla88]

Ooooooh that's awesome I didn't know lower apr was an option either and yes I do too I started out with a low 1k limit and was denied my first attempt at increase but that is because I didn't know Amex is a little behind on the FICO and they go based off what theirs says not the current smh but you live and learn my next increase is able for request in May so I am excited for that and know what to look out for now and that is a crazy difference hahah!     I look forward to the 5 digits soon!    I opened both my new cards and did an increase on my secured to unsecured and refinanced all at once to help with my AAoA although it sucked at first it's building back pretty fast and I was approved for a Mortgage last month which I'm still finding the right home now so I know the Mortgage scores are spot on as my lender said the middle score exactly from myFICO I was like YUP that's it!   Haha this place is awesome.

[Anonymous]

Yeah when you call Amex reqest to see if they can give you a better APR. i was still in the introductory period so they cant do it until after. I only lowered by discover so far from like 24 to 16 percent.

[Girlzilla88]

Any drop is a good drop that is good to know! 

[credit_is_crack]

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@Anonymous wrote:
Applied from a pre qualified letter for Trio. The message wasn’t an instant approval or denial. I called 5/3 and I dont have a pre existing account so they said they could give no details.
A day later they HP my trans union. After a week I got a letter today, at its only a copy of my TU score and how to understand it, my score was 783.
Calling the number for 5/3 it says enter your ss number, when I do so it then says to enter your account number. If i try a bogus ss number it says please try again so I must have an account?
Whats anyone else’s experience with how long it takes to get an answer from them?
Also anyone care to share what cl you have with them, im hoping for atleast 10k because I plan a balance transfer of 2500 and I want utilization to be as low as can be.

Also, this is my first post ever. Happy to meet you all!

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Welcome to the forum! I have a 5/3 Trio card and got it in Sept 2017. This bank is a bit archaic when it comes to communicating approvals/denials. If you're approved (and based on stats and pre-qualified offer you likely will be, but YMMV), they will not give you the SL over the phone but will make you wait until the card arrives. Mine arrived about 8-9 days after I submitted it online. 

Even the card+letter is funky. The CL will show behind the card after you peel it off the paper (took me like 10min to figure it out lol). I was approved with a similar score and got $15,000 right out of the gate. I had no prior relationship with them and mine was a cold app (no pre-qualified letter or invitation). My profile then was a bit denser than yours, but most folks find decent returns with Fifth-Third. Good luck and you should find out something soon! 

[Anonymous]

Thanks for taking the time to write about your experience. Really appreciate it.
With Chase, Citi Bank, ill get a lot of those balance transfer type checks in the mail, does 5/3 do that at all?
I could only hope for a CL of 15k. Now ill be all anxious as I peel the card off lol