First Bankcard as INQ sensitive as parent FNBO?

[Anonymous]

I tried searching for this, but I can't seem to find a definitive answer. 

I was approved for a card with them (it was the first app of a 4-card app spree). I applied for other things before realizing that it was by First Bankcard and that they are with FNBO. I've heard FNBO horror stories. I have 7-8 HPs on each CR and I think there's up to 4 HPs on each one from the last 12 months. 

Should I worry?

Does anyone have experience with First Bankcard and had a lot of INQ's like me?

Any information would be greatly appreciated! Thank you in advance!

[dodgerslv]

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@Anonymous wrote:

I tried searching for this, but I can't seem to find a definitive answer. 

I was approved for a card with them (it was the first app of a 4-card app spree). I applied for other things before realizing that it was by First Bankcard and that they are with FNBO. I've heard FNBO horror stories. I have 7-8 HPs on each CR and I think there's up to 4 HPs on each one from the last 12 months. 

Should I worry?

Does anyone have experience with First Bankcard and had a lot of INQ's like me?

Any information would be greatly appreciated! Thank you in advance!

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I am not a current FNBO cardholder at the moment even though i did get a pre-approval last year that was actually denied because of INQs (probably wanna of the few its happened with FNBO because most of their pre-approval are actually approved). Well anyways, what is done is done. FNBO is like most big banks that if there is something they dont like from you they will take some sort of adverse action (CLD,closures, etc). What i would do know is stop accumulationg more INQs and make sure you keep your overall utilization down because INQ+ high DEBT= AA. Hope this helps.

[Anonymous]

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@dodgerslv wrote:

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@Anonymous wrote:

I tried searching for this, but I can't seem to find a definitive answer. 

I was approved for a card with them (it was the first app of a 4-card app spree). I applied for other things before realizing that it was by First Bankcard and that they are with FNBO. I've heard FNBO horror stories. I have 7-8 HPs on each CR and I think there's up to 4 HPs on each one from the last 12 months. 

Should I worry?

Does anyone have experience with First Bankcard and had a lot of INQ's like me?

Any information would be greatly appreciated! Thank you in advance!

---

I am not a current FNBO cardholder at the moment even though i did get a pre-approval last year that was actually denied because of INQs (probably wanna of the few its happened with FNBO because most of their pre-approval are actually approved). Well anyways, what is done is done. FNBO is like most big banks that if there is something they dont like from you they will take some sort of adverse action (CLD,closures, etc). What i would do know is stop accumulationg more INQs and make sure you keep your overall utilization down because INQ+ high DEBT= AA. Hope this helps.

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Gotcha, thanks for the info. I'm not apping for anything until after October 15, 2015 now. I have no desire to app. I've been using the card but I can't help but wonder in the back of my mind if my INQs are too high now and they're gonna cancel me later when the first statement cuts. Which would be a shame. I've already ran $400 through the card and paid $300 on the balance ($1k limit), but no statement yet. 

[Anonymous]

save yourself hp and don't bother with FNBO if you got some hps from previous apps, they're more sensitive than barclays

[CreditMagic7]

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@Anonymous wrote:

save yourself hp and don't bother with FNBO if you got some hps from previous apps, they're more sensitive than barclays

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+1

FNBO shot down a simple Overstock Visa CC app citing of all things 4 INQS was too many for them to stomach. That was the excuse i got directly from an underwriter. I later learned from others here their INQ limitation IS NOT written in stone but they are waaaaay more sensitive then Barclay's to be sure IMO.

[FinStar]

The First Bankcard UW model pretty much follows suit as that of its FNBO parent. Only some of their retail partner network cards have somewhat flexible UW standards, such as the Overstock MC. But for other member banks under the First Bankcard umbrella, expect the same as FNBO.

[navigatethis12]

I had five inquiries within one month when I applied for and was approved for the SavingStar credit card with a 6500 limit. I already have a 20,000 credit card from First National Bank of Omaha, so 26500 total exposure isn't that bad. I had about six new accounts within six months as this was not planned and was way at the end of a spread out "spree". I applied for the FNBO Direct credit card in April and was declined because of too many new accounts, so I was suprised this was approved. I've had the other card for two years, so they may have used that to overlook the accounts.

I have IDA and that other bureau they pull for inquiries frozen, so I believe the inquiry denial comes from when they check those. I'd say you should be fine as long as yor balances don't go up. I haven't had any issue when asking for an increase or anything from them and I apply for things all of the time.

[Anonymous]

Thank you for the input, everyone. I think I'll be okay. 

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@navigatethis12 wrote:

I had five inquiries within one month when I applied for and was approved for the SavingStar credit card with a 6500 limit. I already have a 20,000 credit card from First National Bank of Omaha, so 26500 total exposure isn't that bad. I had about six new accounts within six months as this was not planned and was way at the end of a spread out "spree". I applied for the FNBO Direct credit card in April and was declined because of too many new accounts, so I was suprised this was approved. I've had the other card for two years, so they may have used that to overlook the accounts.

I have IDA and that other bureau they pull for inquiries frozen, so I believe the inquiry denial comes from when they check those. I'd say you should be fine as long as yor balances don't go up. I haven't had any issue when asking for an increase or anything from them and I apply for things all of the time.

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I have 6 INQs on my EX, 5 of which are less than 12 months, and 1 is about to be over 12 months. And all my other most recent apps were done on other CRs. So I'm assuming they were okay with the 5 INQs with 4 less than 12 months. 

[Desmoire]

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@Anonymous wrote:

save yourself hp and don't bother with FNBO if you got some hps from previous apps, they're more sensitive than barclays

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I have 31% UTL out of 24k and around 8 INQ over the past 12 months, was approved for sallie mae. YMMV I guess.. All these computer algorithms are strange

[One7]

They pulled EQ for me a couple months back and was denied for too many INQs, I had 3.