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Okay, so I was gonna enter gardening... but I feel like I'm being stalked by FNBO. Yesterday I got their preapproved letter for platinum edition visa card, which I shredded, and today I was going through my junk mail stash, and realized they sent me total of 9 pre-approval letters in last couple months.
today's the day I also opened up checking & saving at local credit union (techcu), and when I was on the phone to verify some infos and finalized for membership, the lady I was speaking with asked me "would you like to apply for a credit card?", so I replied "well... I do have 2 new credit cards, not sure if I should or not", which she replied "we do have credit cards with low apr, and it comes with free fico score". I told her I'd think about it and she told me I could always reply on their website.
while I was setting up online account, out of curiosity I checked out credit card section, and what do I see? "Cards are issued by First Bankcard, a division of First National Bank of Omaha"
I don't know, maybe it's sign from universe that I should apply a card there, but before I do, how's the FNBO? and what's my chance of being approved for the card? (since I got the preapproval letter and all). and the fico score they provide, is it legit? or FAKO?
@Anonymous wrote:Okay, so I was gonna enter gardening... but I feel like I'm being stalked by FNBO. Yesterday I got their preapproved letter for platinum edition visa card, which I shredded, and today I was going through my junk mail stash, and realized they sent me total of 9 pre-approval letters in last couple months.
today's the day I also opened up checking & saving at local credit union (techcu), and when I was on the phone to verify some infos and finalized for membership, the lady I was speaking with asked me "would you like to apply for a credit card?", so I replied "well... I do have 2 new credit cards, not sure if I should or not", which she replied "we do have credit cards with low apr, and it comes with free fico score". I told her I'd think about it and she told me I could always reply on their website.
while I was setting up online account, out of curiosity I checked out credit card section, and what do I see? "Cards are issued by First Bankcard, a division of First National Bank of Omaha"
I don't know, maybe it's sign from universe that I should apply a card there, but before I do, how's the FNBO? and what's my chance of being approved for the card? (since I got the preapproval letter and all). and the fico score they provide, is it legit? or FAKO?
its an legit ex fico score from what i can recall. I don't know if i would apply for card if i were you tho. None of their cards really interest me , but again the cards i like are either reward or cash back cards.
well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
I believe their scores are EX FICO 08 Bankcard enhanced.
https://www.firstnational.com/site/personal/credit-card/benefits/fico-score.fhtml
That probably would then be on a 250-900 scale.
@Anonymous wrote:well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
well for me personally i don't know if that hp is worth just fico score :-) you can just pull ex 08 manually for 20 bucks whenever you need it.
@Ghoshida wrote:I believe their scores are EX FICO 08 Bankcard enhanced.
https://www.firstnational.com/site/personal/credit-card/benefits/fico-score.fhtml
That probably would then be on a 250-900 scale.
is bankcard enhanced version different than what lenders use?
@mongstradamus wrote:
@Anonymous wrote:well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
well for me personally i don't know if that hp is worth just fico score :-) you can just pull ex 08 manually for 20 bucks whenever you need it.
right now I have total of 4 hard pulls on my TU, and one is from Tmobile (stupid t-mobile!), is that bad?
@Anonymous wrote:
@mongstradamus wrote:
@Anonymous wrote:well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
well for me personally i don't know if that hp is worth just fico score :-) you can just pull ex 08 manually for 20 bucks whenever you need it.
right now I have total of 4 hard pulls on my TU, and one is from Tmobile (stupid t-mobile!), is that bad?
well it depends on if you need to app for anymore cards. I definately have more TU hps then you do right now. But i haven't applied for anything since May.
@mongstradamus wrote:
@Anonymous wrote:
@mongstradamus wrote:
@Anonymous wrote:well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
well for me personally i don't know if that hp is worth just fico score :-) you can just pull ex 08 manually for 20 bucks whenever you need it.
right now I have total of 4 hard pulls on my TU, and one is from Tmobile (stupid t-mobile!), is that bad?
well it depends on if you need to app for anymore cards. I definately have more TU hps then you do right now. But i haven't applied for anything since May.
yeah, i really don't need another credit card if I get approved for this one last card, and really going to start gardening.
@Anonymous wrote:
@mongstradamus wrote:
@Anonymous wrote:
@mongstradamus wrote:
@Anonymous wrote:well since there's no annual fee, maybe I could just let it opened for EX fico score, since barclay & discover only provide for TU fico.
since they've been sending me 9 pre-approval letters, they must accept me, right?
well for me personally i don't know if that hp is worth just fico score :-) you can just pull ex 08 manually for 20 bucks whenever you need it.
right now I have total of 4 hard pulls on my TU, and one is from Tmobile (stupid t-mobile!), is that bad?
well it depends on if you need to app for anymore cards. I definately have more TU hps then you do right now. But i haven't applied for anything since May.
yeah, i really don't need another credit card if I get approved for this one last card, and really going to start gardening.
Well the thing is i would ask myself what uses would i have for this particular card. If you can't find any uses then i would pass on apping for it.