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OK, true enough. But that's another reason why I love Huntington. They seem to actually LOOK at the application and consider all of the factors instead of just automatically approving or declining on some predefined criteria. Their policies are more customer-friendly than any other bank in the Columbus, OH area.
@Hammer23 wrote:I applied... 676 EFX FICO (my lowest with a BK7 Discharge in 09... got the 5-7 day message but said "based on your profile we would like to reccommed" and suggested a checking and savings.
I called in today, they could not find an account for me (not a good sign i take it). They said it takes a few days for them to decision as the product is still new. Said I would be notified of approval status in 5-7 days and if approved cards would be 5-7 days behind that. Very friendly customer service, the lady went out of her way to assit me and I have ZERO business with HNB.
FYI - you should know when you get approved, you will get a computer generated email about setting up your online account (even without the card). For me, I apped 9/17, registered for online banking (requires a phone call in to get temp user id and password). Card (showing limit) showed up online on 9/19.
Still don't know the APR because the card hasn't arrived yet, but the account showed up in my list of accounts in online banking. $12,500. I just about fell out of my chair. LOVE Huntington!
@dwayne4607 wrote:Still don't know the APR because the card hasn't arrived yet, but the account showed up in my list of accounts in online banking. $12,500. I just about fell out of my chair. LOVE Huntington!
Niiccce!
I had trouble with this since they wanted Equifax and I thought the inquiries and lowest score would be a hinderance. I finally relented and they pulled it on Tuesday. I logged just a few minutes ago and the card is showing up with a 10,000 limit. So I had nothing to worry about and am glad I applied. I just closed the American Express Blue Cash Everyday in anticipation and am glad that I did. The limit isn't the lowest, but also not the highest, so I'm pleased with it.
3 new accounts in the past two months
19 inquiries
<1% utilisation with 1727 in balances
3 year five month history
1 year average age of accounts
@navigatethis12 wrote:I had trouble with this since they wanted Equifax and I thought the inquiries and lowest score would be a hinderance. I finally relented and they pulled it on Tuesday. I logged just a few minutes ago and the card is showing up with a 10,000 limit. So I had nothing to worry about and am glad I applied. I just closed the American Express Blue Cash Everyday in anticipation and am glad that I did. The limit isn't the lowest, but also not the highest, so I'm pleased with it.
3 new accounts in the past two months
19 inquiries
<1% utilisation with 1727 in balances
3 year five month history
1 year average age of accounts
Congrats! 19 INQ's WOW
I'm not saying this is a good thing, but I have 26 inquiries....6 of which are from when I bought a car and the dealer told me that they would count as 1....right. I don't know that inquiries carry as much weight as some would lead you to believe. Anyway, I'm glad to hear that you got it!