Huntington Voice Rewards Mastercard!!!

[Anonymous]

I applied, received the 5-7 message...then...4 hours later the account disclosure and terms popped up in my email...Yet, nothing on HUB...Soooo...

[FinStar]

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@Anonymous wrote:

I applied, received the 5-7 message...then...4 hours later the account disclosure and terms popped up in my email...Yet, nothing on HUB...Soooo...

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We haven't seen a response from @Keatonsdaddy so perhaps he can provide an update?  Nothing has shown up on the Approvals forum soooo...

Either way, let us know your outcome as well @Anonymous 

[tpdtopcop]

starting in March Huntington is moving from Eq to TU. Just FYI

[Keatonsdaddy]

So apparently I got denied for having a active delinquent account of my credit report. I do not understand that because I haven't missed a single payment on anything for over 6 years. I tried calling underwriting to see if I could talk to someone but you cannot talk to underwriting at huntington. I did have a charge off on a FPB card around 6 1/2 years ago but it was settled so idk if that's still showing up for them or not 

[FinStar]

Thanks for the update @Keatonsdaddy and sorry to hear about the denial.  When the Huntington CCs were launched years ago, there was no option for UW reconsideration.

Is the delinquency or derog item still on your CRs?  Worse case scenario it gets removed after the SOL and you can try them in the future.

[boomkattack]

Do you remember how many days it took you to get an answer after you applied?

[Keatonsdaddy]

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@boomkattack wrote:

Do you remember how many days it took you to get an answer after you applied?

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It was about a week!

[Anonymous]

I'd like you to elaborate more if you wouldn't mind? I have been denied due to no current relationship a few times from different banks, i think having an existing relationship can help tremendously depending on lender

[zerofire]

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@Keatonsdaddy wrote:

So apparently I got denied for having a active delinquent account of my credit report. I do not understand that because I haven't missed a single payment on anything for over 6 years. I tried calling underwriting to see if I could talk to someone but you cannot talk to underwriting at huntington. I did have a charge off on a FPB card around 6 1/2 years ago but it was settled so idk if that's still showing up for them or not 

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Just because it was settled it is still considered delinquent since you did not pay 100% of the amount owed. That accounts negatives will drop off after 7 years from the date of last payment. Huntington can still see it at the end of their report. Give it time so that you can recover to some kind of version of clear history and you can try again. Huntington is a good bank but their underwriting is stingy. I personally cannot even file an application unless I step into a branch and the closest one is many states away.

[Anonymous]

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@Keatonsdaddy wrote:

So apparently I got denied for having a active delinquent account of my credit report. I do not understand that because I haven't missed a single payment on anything for over 6 years. I tried calling underwriting to see if I could talk to someone but you cannot talk to underwriting at huntington. I did have a charge off on a FPB card around 6 1/2 years ago but it was settled so idk if that's still showing up for them or not 

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If it is 6 1/2 years old, you can probably ask for EE (early exclusion) from TU now. At 3 months out from drop off date (or 1 month from "on report until" date on the CR) you can ask for EE from EX. EQ is messy and I suggest to just let it fall off naturally.

Goodbluck in your future app!