I have an 805 Credit score and have worked in the same industry for 15 years, have been at my home for 5 years. I normally get the lowest interest rate on everything i apply for. 5/3 bank rep at the branch told m e the HELOC rates are a "touch" above 3. After i jumped through all the hoops, sent all the required info, they came back w/ a 5.25% rate. I was floored. My brother applied for one w/ a different bank and got a 2.99% rate. The rep went on to tell me that the lowest they can give anyone is 3.9%, because they do prime + .4%, which is still high and something he should have told me when i asked him in the 1st place before i applied. Look around at other banks and you can find a much cheaper rate.
I honestly don't understand all the negative reviews on this, especially about the online banking. I personally love 5/3rds online banking and app banking. I have seen my wifes online banking for another company and it was god awful and looked like something from the 90s lol...
But the card itself, I've had since probably... 2012? Being now 2017 I have not had an automatic increase. My Credit limit is $300 and has remained that way since I have never requested an increase. I am currently building back up my credit at the moment to apply for another card from Chase (hopefully their Unlimited Card).
The card allows you to do online transfers (payments) if you have a bank account with 5/3 as well. The interest on a cash withdraw seemed a bit high when I had to a couple times.
Other than that I personally love the card and wish I could just request my increase right now. But I really don't want a set back when I'm trying to build for a higher CS.
Oh and I applied for the card in person and got approved that day at the bank.
THIS CARD DOES REPORT POSITIVE CREDIT REPORTS EVEN WHEN THE CARD ISN'T USED IN THE MONTH.
I had a mortgage with fifth third before and they overcharged me on taxes they had two years worth in the bank and they wanted another years worth now that I close that mortgage out and got another mortgage with them for less than half they are doing the same screw ups my escrow account keeps going up and up and I've only been in the new house one year and I have proven to them their mistakes as well as core logic's is at the root of all evil and they won't correct the problem and I'm not allowed to talk to anybody about a supervisor and that's all you're a lot to do