FNBO Preapproval, should I do it?

BearsAndTurtlesRtheBest · ‎05-29-2013

I like your thinking bernhardtra. Let us know the results!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

Creditaddict · ‎05-29-2013

I think you all should apply that have the pre-approval!

My partner has offer for Amex too (but we are both done with credit right now!)

today

TiggerDat · ‎05-31-2013

Well I did it, I pulled the trigger. I did the application and I hope for the best, they said 3-5 days and I should know something. I think in some situations they even do it the same day. I will certainly recon it if they say no. I will use the aspect of it was preapproved and they should have known how many inquiries I had.

So should I also go ahead and try for the Delta Amex too? After all I do have the inquiry already.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

Creditaddict · ‎05-31-2013

@bernhardtra wrote:
Well I did it, I pulled the trigger. I did the application and I hope for the best, they said 3-5 days and I should know something. I think in some situations they even do it the same day. I will certainly recon it if they say no. I will use the aspect of it was preapproved and they should have known how many inquiries I had.

So should I also go ahead and try for the Delta Amex too? After all I do have the inquiry already.

Id go for Delta and if they say no, Id go for the Gold Rewards Charge... Get your foot in door and it's free for a year and then in 6 months you would be in good place for your Delta.

dodgerslv · ‎05-31-2013

@bernhardtra wrote:
Well I did it, I pulled the trigger. I did the application and I hope for the best, they said 3-5 days and I should know something. I think in some situations they even do it the same day. I will certainly recon it if they say no. I will use the aspect of it was preapproved and they should have known how many inquiries I had.

So should I also go ahead and try for the Delta Amex too? After all I do have the inquiry already.

Go for it!...lol. And keep us updated on FNBO!

gardening since 5/21/2016

TiggerDat · ‎05-31-2013

WELL I DID IT and I GOT IT.

It was only a $2600 limit.

And once I got the message I got it I app'd for the Delta Sky Miles Directly and got that too.

I am so completely done apping for ever!

Well not exactly forever......

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

tinuviel · ‎05-31-2013

@bernhardtra wrote:
WELL I DID IT and I GOT IT.

It was only a $2600 limit.

And once I got the message I got it I app'd for the Delta Sky Miles Directly and got that too.

I am so completely done apping for ever!

Well not exactly forever......

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

BearsAndTurtlesRtheBest · ‎06-01-2013

Yeah! Congrats!!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

jamesdwi · ‎06-01-2013

I would say go for it.

Got approved for 6k CL, and 11 months later, one auto-CLI and one requested CLI (ask if they have a preapproved CLI in for me on the phone) and the card sits at $9500. Since the first month, I have never had a zero balance, 12 months zero percent interest, for both CLI's I had a balance over 30%, currently had 60% reporting on the card for the CLI, this bank feels pretty close to the GE of prime lenders, You can call in and check for CLI's every 3-4 months and if they have one its a SP.

This card is now my highest limit...

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

TiggerDat · ‎06-02-2013

Thanks, it felt nice to get both.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?

Re: FNBO Preapproval, should I do it?