SunTrust is THE WORST lender! They are slow and unorganized. Some people who work there are dumb. What a mistake seeking busibness with SunTrust! Stay away from them
The process of getting this card was a month long fiasco, but it turned out well. A local branch rep called me to offer me consolidation lines of credit, something I'd been toying with for a few weeks anyways. It was a well timed call on their part. Having been denied in the past, twice over 15 years to be precise, I didn't have much hope that I'd be approved this go around. I was misled by her offer and she wasn't well acquainted with the rules of the card she was offering me. Turns out, I couldn't do what she said I could use the card to do; defeating the purpose of the entire deal. Still, I ended up with a $7000 line of Suntrust credit and the branch rep and her manager bent over backwards to work with their superiors to right their wrong. When I applied my FICO was about 730, I had a card utilization of about 23%, 2 small personal loans, and student loan debt. This is definitely a card you need good credit to own.
Customer service is awful, their online website and ap never works and when you call them, their excuse is "its not on our end" But I have had every geek in a 30 mile radius hired to check my system and its in good order. When you call, you get a miserable employee who hates their job and hates you. I have been a customer since 1998 and just cancelled everything in 2016 as I just got sick and tired of it. I could never log in my account as there was always errors. The ap was horrible. 1 day it works then for a week it doesnt.
Do not sign up any accounts with this bank. I am with Bank of America now and its such a breath of fresh air. Their online website works, ap works, customer service is much better. AVOID SUNTRUST at all costs.