FNBO Cold App Instant Approval!! **DELIVERED**

[AverageJoesCredit]

Credit, i think you need to work on that utilization lol

[credit_is_crack]

LOL I paid down some debt early February and have been hovering in the 0-3% range. I'm buying some new furniture soon so I'll creep up to 2-3% here...where oddly I'll gain a few points. Don't know why, but when my utilization hits 1-9% I gain a few points. When it gets down to zero and I loose a couple. Only in the Credit world...

[credit_endurance]

Congratulations OP on this approval. Nice SL. And the nice perk of sp credit line increases every 3-4 months enjoy! 

[CreditCuriosity]

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@credit_is_crack wrote:
Thanks Scott!

**UPDATE** The HP showed up on my Equifax report?? I thought FNBO was pretty partial to EX when it came to branded cards.

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Yep weird I got hit by Equifax by them on my M Life recent approval was totally expecting an Experian HP.. Wasn't instant like yours, but was approved none-the-less..  Do you hapeen to live in the south?  99% were Exp pulls, but mine was EQ pull as was yours

[credit_is_crack]

I do, I live in FL. My previous failed attempts all pulled EX so it was odd to see them pull EQ, but they do what they want

[credit_is_crack]

So I received my FNBO card today, almost forgot it was on its way since I got approved for it 13 days ago. Irma added quite a few more days to delivery, but I'm more stoked about the fact that I still have somewhere for it to be delivered! 

So one thing that was a nice surprise was apparently the card is a Visa Signature. I didn't get this card because of it, nor did I even notice it came in that 'flavor' -- the website didn't have it so I wasn't expecting it. Maybe it's buried in those T&C's I agreed to reading without reading lol I wonder if it was a mistake because there wasn't that little "welcome to visa signature" benefits pamphlet either. Between no advertising and no pamphlet, not sure if it actually exists...

Albeit, it does look like the laziest version of Visa Signature, maybe they deliberately don't advertise it lol the color is a bit interesting. Looks like a half purple half dirty gold card. 

This bad boy goes in the wallet....NOW!