Established Member
CaptKirk
Posts: 17
Registered: ‎06-17-2012
Hard Inquiry if accept FNB Omaha pre-approval?
[ Edited ]

I just got a "you're pre-approved" for First National bank Omaha Visa Platinum Card. No AF. Rate is 17.99%. My scores arent too great as I am rebuilding, around 670. I am trying to avoid hard inquiries as I did an app spree earlier this year. Any ideas what kinds of CLs FNB gives for their pre-approved cards and do they do hard inquiries?

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
Re: Hard Inquiry if accept FNB Omaha pre-approval?
I got a preapproval from them about 10 days ago for their amex. I filled out the info online and they did a hp on experian (not sure if on eq....not on tu). I was approved within 3 days for 3500.00.....my highest limit so far
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
Re: Hard Inquiry if accept FNB Omaha pre-approval?

Hey Captkirk! 

My bro got the pre-approval offer from them for ultimate Rewards Plat.  His score: 671 - EX- 45% utility- 4 years history but very little with cc.  He was approved for 3.5K. I was surprised.  I have found the lending criteria for true pre-approved offers to be a little more lax then hard apping a card.  YMMV thou!  Good luck!


Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

Take the FICO Fitness Challenge
Valued Contributor
jsucool76
Posts: 2,818
Registered: ‎12-11-2011
Re: Hard Inquiry if accept FNB Omaha pre-approval?

You will get a HP, but FNBO manually reviews all apps so don't expect an instant decision. 

 

Best of luck if you decide to go for it! :smileyvery-happy:

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
Re: Hard Inquiry if accept FNB Omaha pre-approval?
Duh- sorry :smileyhappy: yep- always expect a HP when apping a credit card. Even if you are told it won't be. If you end up without one- good for you but very very few lenders offer cc without a HP to confirm credit criteria.

Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

Take the FICO Fitness Challenge
Established Member
CaptKirk
Posts: 17
Registered: ‎06-17-2012
Re: Hard Inquiry if accept FNB Omaha pre-approval?
[ Edited ]

Thanks....I think I will skip on taking this one but will keep them in mind for my next app spree some time in 2013. Until then I think i will focus on CLIs

Valued Contributor
creditnocash
Posts: 2,195
Registered: ‎07-23-2012
Re: Hard Inquiry if accept FNB Omaha pre-approval?

it depends im not sure about the particular bank

at my bank. 

if your pulled up in the internal program and it says your pre approved they dont pull your credit (how i got my 2k mastercard) it was just a new line. 

but if your pulled up in the teller system when you do a withdrawl/deposit etc. it will be a hard pull. 

Current: Discover Fico 689 7/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Member
CaptKirk
Posts: 17
Registered: ‎06-17-2012
Re: Hard Inquiry if accept FNB Omaha pre-approval?
[ Edited ]

that is the surprising thing, I'm not a customer. And while I do have some good cards (w/o AFs) like Capital One, Target, Amazon and USAA, I got those by proactively applying. The pre-approved card offers I usually get are for crappy sub-prime cards with huge annual fees and/or signup fees. This is actually my first pre-approval letter for a card without an AF. After hearing how careful FNB is about approving people I'm  wondering if they sent it by mistake. 

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
Re: Hard Inquiry if accept FNB Omaha pre-approval?

i had the samething not too long ago and they just sent me another one with greater offer but through Discover logo with some cash back and some other great benefit and APR.....i still hold on to it since i dont really want another credit card right now but who know.....anw...my score range about samething with you 664 so i guess that;s their score target and take many as they want........good luck with the apps if you go for it thou and im sure its alway goiing to be hard pull..


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k