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New Contributor
Posts: 85
Registered: ‎05-02-2012
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FNBO Pre-Approval, Applied and instant Approval

Yesterday i recieved a pre-approval for the FNBO Amex, i mulled it over and thought what the heck i'll give it a try but i want to see if i can get the limit increased on my HiltonHonors Surpass card first, boom 3X increase to 3k approved.  Now high on my success with AMEX i submitted the FNBO app, i waited about a minute and it came back as Approved.  I was surprised because reading a lot of other expereinces FNBO likes to manual review apps but i guess that mine slipped through. EIther way Woo Hoo.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Senior Contributor
Posts: 3,261
Registered: ‎11-13-2012
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Re: FNBO Pre-Approval, Applied and instant Approval

Double congrats !

FICO® EQ 788 (as of today) - TU 778 (12/27) ¦ Fako EX 811 (12/02 - CS) ¦ last app 01/19/15 ¦ INQ last 2 yrs TU: 5, EX: 5, EQ: 3

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Posts: 26,788
Registered: ‎09-13-2012
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Re: FNBO Pre-Approval, Applied and instant Approval

New Contributor
Posts: 85
Registered: ‎05-02-2012
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Re: FNBO Pre-Approval, Applied and instant Approval

Just checked and the initial limit is $4,000, not too bad

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
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Posts: 4,875
Registered: ‎11-02-2010
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Re: FNBO Pre-Approval, Applied and instant Approval


CopperHD wrote:

Just checked and the initial limit is $4,000, not too bad


Very nice... congrats!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
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Posts: 26,788
Registered: ‎09-13-2012
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Re: FNBO Pre-Approval, Applied and instant Approval

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: FNBO Pre-Approval, Applied and instant Approval

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 620
Registered: ‎05-09-2009
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Re: FNBO Pre-Approval, Applied and instant Approval

 Congrats on your approval!  FNBO has been really promoting themselves as of late.  They used to manually review every app, its possible the computer is now helping make decisions based on the huge influx of apps, and manually reviewing others.

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k|Sams MasterCard 10k|Barclay Arrival Plus WEMC 10k|Chae IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: FNBO Pre-Approval, Applied and instant Approval

Congrats x2!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
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Re: FNBO Pre-Approval, Applied and instant Approval


CopperHD wrote:

Yesterday i recieved a pre-approval for the FNBO Amex, i mulled it over and thought what the heck i'll give it a try but i want to see if i can get the limit increased on my HiltonHonors Surpass card first, boom 3X increase to 3k approved.  Now high on my success with AMEX i submitted the FNBO app, i waited about a minute and it came back as Approved.  I was surprised because reading a lot of other expereinces FNBO likes to manual review apps but i guess that mine slipped through. EIther way Woo Hoo.


Congrats X2

FNBO has another feature you'll like SP CLI I was approved last month and i'm so looking forward to those and from reading before I app'ed you can ask every 3-4 months if you have any pre-approved CLI's waiting for you.... Wooo Hooo 

Enjoy your new card

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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