Reply
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: FNBO AMEX approval! excitement and advice needed....


wahoojack13 wrote:

Was suppose to be gardening but recvd this pre-approval in the mail, I was approved in 24 hours for a 3600 CL.  Is this bank/card hard to get approved for?  I was wondering if my hard work has really paid off or not?

 

Was my spree successful? are these good cards to have? and make my profile look better?

 

Recent app spree:

 

Chase Freedom 2500CL

CITI Simplicity 2500CL

Discover IT 4000CL

Lowe's 2000CL

FNBO Amex 3600 CL

 

Will be joining the Garden Club TODAY!! Im really excited....im someone that filed bancruptcy, went through a divorce, am a single parent and had a credit score in the low 5's upper 4's as early as 8 years ago....


Looks like a successful spree to me!!! Happy Gardening!!!

 

CONGRATS!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
wahoojack13
Posts: 46
Registered: ‎03-14-2013

Re: FNBO AMEX approval! excitement and advice needed....

JEEZ!!! after reading those reviews, I dont know if i want this card anymore......damn those are ALL BAD!! has anyone else on here had a credit card with FNBO??

Gardening Goal thru April 2014. HELP ME STAY ON TRACK!




Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

Re: FNBO AMEX approval! excitement and advice needed....

LOL!

 

Here's another "bad" review. I got a preapproval for their Visa last year. I applied and was approved for 3600.00. The gave a an auto CLI after 6 months. Limit is now 4500.00. I also got 0% purchase & balance transfer for a year. APR goes to 13.9 after one year. I am very satisfied with FNBO!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Member
wahoojack13
Posts: 46
Registered: ‎03-14-2013

Re: FNBO AMEX approval! excitement and advice needed....

Okay OKay Meg, Now that makes me feel much better.  I was reading those reviews and all the blood drained out of my face....LMAO.....made me scared!!

Gardening Goal thru April 2014. HELP ME STAY ON TRACK!




Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

Re: FNBO AMEX approval! excitement and advice needed....

LOL!!!!

 

I tend to take comments regarding payments that were not "late" with a grain of salt. There's almost always more to the story. As for the one whose card was closed for inactivity....SO? If you're not using the card, you're just costing them money! I've never had to call FNBO since activation and all goes very smoothly. Payments are reflected with absolutely no issues. Best of luck! 

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Member
wahoojack13
Posts: 46
Registered: ‎03-14-2013

Re: FNBO AMEX approval! excitement and advice needed....

If you dont mind me asking....Do you use yours regularly? or just once in a while?

Gardening Goal thru April 2014. HELP ME STAY ON TRACK!




Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

Re: FNBO AMEX approval! excitement and advice needed....

Actually, I used it for a balance transfer that's not paid off yet. The amount I wanted to transfer was more than the credit line they gave me and they just about maxed it out. They did that, not me. LOL. Anyway, I've been paying it down and didn't want to add extra charges. Since my CLI last month, I've decided to use it a bit and add new charges to the regular payment in order to stay on track.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: FNBO AMEX approval! excitement and advice needed....

Congrats!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012

Re: FNBO AMEX approval! excitement and advice needed....

Good to hear some positives on FNBO. I have been liking it. I have a credit gap of a couple of year(of no credit cards) which does raise some eyebrows among lenders.

But that's all, all my baddies have cleared up, I have one collection agency's HP showing up on my TU report.

Having said that, I feel so great to be approved by FNBO with SP, apparently they sent me a yet previous invitation which ended up at my last address.

I was approved instantly(by the system) and got a good decent credit line.

 

I started reading up on the internet all those bad reviews and then got concerned. I have been liking FNBO though. I did a BT on the day I activated, the rep was nice and easy with me. The deal is good 0% on both purchases and BT for one year. 2% on gas etc...I like to pay 7 days in advance most of the time and that too online. So given that...I think I can maintain a good relationsihp with this lender...I wanna say it's all upto me how I want to do it.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Member
wahoojack13
Posts: 46
Registered: ‎03-14-2013

Re: FNBO AMEX approval! excitement and advice needed....

@codesingh...............I felt the same way after reading those reviews, but not im excited again to get the card in the mail.  Congrats on the good CL! 

Gardening Goal thru April 2014. HELP ME STAY ON TRACK!





myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+