Re: Hard Inquiry if accept FNB Omaha pre-approval?

CaptKirk · ‎06-17-2012

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?

snowkitty · ‎09-10-2012

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

improvingmycredit · ‎07-12-2011

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 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge

jsucool76 · ‎12-11-2011

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!

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

improvingmycredit · ‎07-12-2011

Duh- sorry

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 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

Take the FICO Fitness Challenge

CaptKirk · ‎06-17-2012

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

creditnocash · ‎07-23-2012

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

CaptKirk · ‎06-17-2012

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.

nicholasyud · ‎08-13-2012

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..