SwagBucks Visa

[wacdenney]

This is an FNBO card that I applied for because of the free EX FICO score.  Unfortunately, they pulled EQ where I had 18 inquiries and after this one I am at 19.  So they offer free EX scores, but pull EQ for apps.  Go figure!  Has anyone else ever applied for this card?  There's nothing really outstanding about it other than the FICO score.  It offers 1.25% cash back and is available in a signature version.  The black color looks cool and obviously the fact that it says "swag" on it is intrinsically sweet much like a three wolf moon t-shirt.

I'm hoping the underwriting is a little less stringent, as I know FNBO is not fond of excess inquiries.  Does anyone else have this card??

[JenniferinFL]

I recently was approved for this card. On my Quizzle Equifax FAKO I have 4 inquiries for the year and a FAKO 688, BUT they definitely didn't pull Equifax and they didn't pull TU or I would have gotten a notice from CreditKarma. For me, they must have pulled Experian. Unfortunately I have no way of knowing how many inquiries I have on that as I don't have and credit monitoring right now other than CreditKarma, Quizzle and CreditSesame.

[JenniferinFL]

Oh yeah, additionally, they don't instant approve. I applied on Saturday and got an email that they had received my app on Monday and then found out it was approved yesterday morning. So, not exactly fast turn around. I think all they do is manual like the rest of FNBO. The check your app site didn't work until Monday.

Is this where you're checking or a different site?

https://www.firstbankcard.com/appstatus/

[wacdenney]

Thank you for the info!  I just got the email today stating that my application was recieved.

Credit Card Application Status

Thank you for applying for our Credit Card. Your application has been received, and generally the review time is around 10 to 14 days. We will contact you if there is any additional information that we need in order to make a decision on your application.

To check the status of your application, please visit https://www.firstbankcard.com/appstatus and enter the information you used to complete your application.

Thank you.

Cards are issued by First Bankcard, a division of First National Bank of Omaha.

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[wacdenney]

I guess I'll know more in a week or so.  I'm really not expecting much considering the large number of inquiries I have.

Status says "PENDING" right now.

[trumpet-205]

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@JenniferinFL wrote:

Oh yeah, additionally, they don't instant approve. I applied on Saturday and got an email that they had received my app on Monday and then found out it was approved yesterday morning. So, not exactly fast turn around. I think all they do is manual like the rest of FNBO. The check your app site didn't work until Monday.

Is this where you're checking or a different site?

https://www.firstbankcard.com/appstatus/

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When I applied my Overstock MC it was an instant approval, so they do have instant approval.

[vpae]

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@wacdenney wrote:

This is an FNBO card that I applied for because of the free EX FICO score.  Unfortunately, they pulled EQ where I had 18 inquiries and after this one I am at 19.  So they offer free EX scores, but pull EQ for apps.  Go figure!  Has anyone else ever applied for this card?  There's nothing really outstanding about it other than the FICO score.  It offers 1.25% cash back and is available in a signature version.  The black color looks cool and obviously the fact that it says "swag" on it is intrinsically sweet much like a three wolf moon t-shirt.

I'm hoping the underwriting is a little less stringent, as I know FNBO is not fond of excess inquiries.  Does anyone else have this card??

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I'm actually a pretty active swagbucks user so I heard about this when it first came out. But since there's not really a great sign up bonus, the reward structure isn't really impressive by any means, and I find the card/idea more silly than anything else. haha. I already have an FNBO card for the free FICO, so I never considered this card.

BUT swagbucks is pretty sweet. I've earned a lot over this past year, this screenshot doesn't even cover it all. But.. that conersation is for a differnet forum. lol

GL to those who applies! FNBO pulled EX for me back in 2012.

[lg8302ch]

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@JenniferinFL wrote:

I recently was approved for this card. On my Quizzle Equifax FAKO I have 4 inquiries for the year and a FAKO 688, BUT they definitely didn't pull Equifax and they didn't pull TU or I would have gotten a notice from CreditKarma. For me, they must have pulled Experian. Unfortunately I have no way of knowing how many inquiries I have on that as I don't have and credit monitoring right now other than CreditKarma, Quizzle and CreditSesame.

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You should be able to see the number of inquiries on www.credit.com for EX. Also CS should have alerted  the pull on EX.  Both services are free

[Anonymous]

Pretty neat card. It puts the swagger in our walk!

[wacdenney]

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@Anonymous wrote:
Pretty neat card. It puts the swagger in our walk!

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Well thanks alot...  Now I really want it!  Everyone could use a little extra swagger in their walk!