Thoughts on FNBO, Wells Fargo, and others

[gdale6]

FNBO has a footprint and if you are outside that footprint you need to get a targeted offer from them in order to get in, its how I did 5 years ago and today I have 3 cards with them totaling over 30K in credit. As stated they dont like lot of inquiries and they will pull ARS/IDA which shows ALL your inquiries not just the ones on a particular CRA. I have never banked with them.

[Gmood1]

Wells Fargo is new account sensitive and they do pull EX. FNBO isn't quite as conservative. They pull either EX or EQ. I had quite a few new accounts and Inqs. FNBO didn't bat an eye giving me the two cards I have with them now.

[fltireguy]

Gdale that's just for the proprietary products isn't it? What about the cobra fed, like a Speedway MC?

[gdale6]

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@fltireguy wrote:
Gdale that's just for the proprietary products isn't it? What about the cobra fed, like a Speedway MC?

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Ah yeah FNBO Direct is a way in forgot that they had this route available and a store MC that they issue can be a way in for their main cards if they send an offer. ALready having a relationship with them makes that much greater.

[Anonymous]

FNBO is inquiry sensitive, but a little more lenient on some co-branded cards (sun country, gulf mc, best western)

They have INQ thresholds for X amount in 3 mo, X amount in 6 and X amount in 9 based on the product applying for

[Anonymous]

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@gdale6 wrote:

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@fltireguy wrote:
Gdale that's just for the proprietary products isn't it? What about the cobra fed, like a Speedway MC?

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Ah yeah FNBO Direct is a way in forgot that they had this route available and a store MC that they issue can be a way in for their main cards if they send an offer. ALready having a relationship with them makes that much greater.

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Speedway MC?  That card can also be used at Menards!  Oops. Got that backwards. Menards MC can be used at speedway!  Darn.