CapOne 360 checking LOC

[AeroKrix]

About 2 years ago I opened a checking account along with a LOC ($100) that I completely forgot I had. It seems the LOC is a hidden trade line, as I don't see it on any reports.

my question is, what's the highest limit you can get with this LoC? Anyone have any experience with it? I'll surely take the HP (it seems 360 accounts only pull one report as opposed to C1 CC's pulling all 3), if you can get it to, say, max $5000, while still being hidden.

[Creditaddict]

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@AeroKrix wrote:

About 2 years ago I opened a checking account along with a LOC ($100) that I completely forgot I had. It seems the LOC is a hidden trade line, as I don't see it on any reports.

my question is, what's the highest limit you can get with this LoC? Anyone have any experience with it? I'll surely take the HP (it seems 360 accounts only pull one report as opposed to C1 CC's pulling all 3), if you can get it to, say, max $5000, while still being hidden.

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id be interested in hearing this too!

What's the rate on this account?

[AeroKrix]

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@Creditaddict wrote:

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@AeroKrix wrote:

About 2 years ago I opened a checking account along with a LOC ($100) that I completely forgot I had. It seems the LOC is a hidden trade line, as I don't see it on any reports.

my question is, what's the highest limit you can get with this LoC? Anyone have any experience with it? I'll surely take the HP (it seems 360 accounts only pull one report as opposed to C1 CC's pulling all 3), if you can get it to, say, max $5000, while still being hidden.

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id be interested in hearing this too!

What's the rate on this account?

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I see the rate at 11.25%. It's fixed. Not the best, but it's far better than all my other CC's rates. 

[AeroKrix]

Also, I'd like to note that I was able to get that LOC when my score was around 580s. Now my score is hovering around low 700s. If I can get a huge bump on that, I'd take it. But if it caps out at say $500 or $1000, not worth the HP.

[Creditaddict]

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@AeroKrix wrote:

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@Creditaddict wrote:

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@AeroKrix wrote:

About 2 years ago I opened a checking account along with a LOC ($100) that I completely forgot I had. It seems the LOC is a hidden trade line, as I don't see it on any reports.

my question is, what's the highest limit you can get with this LoC? Anyone have any experience with it? I'll surely take the HP (it seems 360 accounts only pull one report as opposed to C1 CC's pulling all 3), if you can get it to, say, max $5000, while still being hidden.

---

id be interested in hearing this too!

What's the rate on this account?

---

I see the rate at 11.25%. It's fixed. Not the best, but it's far better than all my other CC's rates. 

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11.25% on a line of credit is actually excellent but it says NOTHING about the max limit they give just that when you open the checking account if you are approved they will open and set a line of credit also! that's **bleep**ue.

[AeroKrix]

Found the answer

[Creditaddict]

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@AeroKrix wrote:

Found the answer

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ouch... forget that for $1k!

[AeroKrix]

It really makes you appreciate NFCU a lot more 

[Anonymous]

1K....

Ew.

[blueblur]

Note that is the "Overdraft Line of Credit"... doesn't sound like a normal LOC to me.  Simply to cover if you, well, overdraft, your account.  Not something you can use as a normal revolving account as others offer, right?