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FNBO Discover DENIED

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drkaje
Senior Contributor

Re: FNBO Discover DENIED


@scottwagnon wrote:

Wow!!!!

 

it turns out i was denied for one reason only.

 

 

YOU CURRENTLY RESIDE OUTSIDE OF OUR SERVICE AREA

 

 

that was it. im going to recon this. does anyone have a backdoor number i can recon this?


I ran into the same issue with USBank, they retracted the hard pull.

 

FNBO may be able to offer you another product upon calling in for Recon or at the very least remove the inquiry as a courtesy. Smiley Happy


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Current Score: EX 753 FICO, EQ 737FICO, TU 738
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Message 11 of 14
AndySoCal
Valued Contributor

Re: FNBO Discover DENIED

Call Discover directly and find if they can see your application or not. If they can see if you can be approved directly from Discover.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 12 of 14
injustifiiable
Valued Contributor

Re: FNBO Discover DENIED


@AndySoCal wrote:

Call Discover directly and find if they can see your application or not. If they can see if you can be approved directly from Discover.


That wouldn't really help any since they aren't the issuer, First National Bank of Omaha is the issuer and it just happens to be a card on the Discover network.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 13 of 14
Anonymous
Not applicable

Re: FNBO Discover DENIED

FNBO has a service area?  They underwrite the NRA Visa or MC (whichever it is).  If they can underwrite that, does not make any sense to me that they are limited in what they can provide to other cards, since the NRA card is open to all NRA members.

Message 14 of 14
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