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Awkward call to Fifth Third (5/3) Bank---Trio

creditmonger
Contributor

Awkward call to Fifth Third (5/3) Bank---Trio

It had been over a week since I apped fro their Trio w no reply at all: no letter, email, let alone the card, confirming even my application. 

Called today. 

Approved. 

I asked what the interest rate and CL were. 

Rep says "14.9% and you have $3000 to spend but I CANT tell you what your CL is."

I said, disappointedly, "isnt $3000 to spend my credit limit?"

CSR: "no"

Me: "so thats my 'available for cash' limit?"

CSR: "NO. Thats your available to spend, today---I dont have access to your CL---thats in the docs youll receive by 6-16-17."

Me:. "Ok. Thanks. Bye". 

Is it me!?  Can anyone explain what just happened or what the difference is?  BTW this is my first exposure to 5/3. 

Thanks. 

BK13 DC 12/15. 740 scores/18 inqs (about)
VentureOne 28K. Marvel MC 25K. PFCU: Promise 19K; PLOC 10K; Rewards 5K.
NFCU: Plat 15K; Flagship 15K; CLOC 10K
Barclays Aviator 12K; Jet Blue $500 (for the miles).
BOA 8K. Discover 10K/5K. 5/3 10K. PPC 7K
PPMC 10K. TD Ameritrade $1500
Message 1 of 5
4 REPLIES 4
ABCD2199
Senior Contributor

Re: Awkward call to Fifth Third (5/3) Bank---Trio

I second calling fifth third first unless it's the fourth then I wouldn't be on seventh heaven.

 

Can you tell their name gives me a headache?

Message 2 of 5
michikade
Valued Contributor

Re: Awkward call to Fifth Third (5/3) Bank---Trio


@creditmonger wrote:

It had been over a week since I apped fro their Trio w no reply at all: no letter, email, let alone the card, confirming even my application. 

Called today. 

Approved. 

I asked what the interest rate and CL were. 

Rep says "14.9% and you have $3000 to spend but I CANT tell you what your CL is."

I said, disappointedly, "isnt $3000 to spend my credit limit?"

CSR: "no"

Me: "so thats my 'available for cash' limit?"

CSR: "NO. Thats your available to spend, today---I dont have access to your CL---thats in the docs youll receive by 6-16-17."

Me:. "Ok. Thanks. Bye". 

Is it me!?  Can anyone explain what just happened or what the difference is?  BTW this is my first exposure to 5/3. 

Thanks. 


Sounds like they're giving you a temporary limit until you actually get the card in the mail?  Maybe for online shopping or mobile wallet, if you can add it from the website?  I don't have personal experience with 5/3rds but that's what it sounds like to me.

Message 3 of 5
creditmonger
Contributor

Re: Awkward call to Fifth Third (5/3) Bank---Trio

In all my years w all sorts of banks I've never encountered that even once. Thanks
BK13 DC 12/15. 740 scores/18 inqs (about)
VentureOne 28K. Marvel MC 25K. PFCU: Promise 19K; PLOC 10K; Rewards 5K.
NFCU: Plat 15K; Flagship 15K; CLOC 10K
Barclays Aviator 12K; Jet Blue $500 (for the miles).
BOA 8K. Discover 10K/5K. 5/3 10K. PPC 7K
PPMC 10K. TD Ameritrade $1500
Message 4 of 5
creditmonger
Contributor

Re: Awkward call to Fifth Third (5/3) Bank---Trio

Update 6-9:

 

Checked my credit this morning and theres a new tradeline: 5/3 for $3000---very disappointing. 

 

Cant wait to see my card's info package?!

BK13 DC 12/15. 740 scores/18 inqs (about)
VentureOne 28K. Marvel MC 25K. PFCU: Promise 19K; PLOC 10K; Rewards 5K.
NFCU: Plat 15K; Flagship 15K; CLOC 10K
Barclays Aviator 12K; Jet Blue $500 (for the miles).
BOA 8K. Discover 10K/5K. 5/3 10K. PPC 7K
PPMC 10K. TD Ameritrade $1500
Message 5 of 5
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