topic Re: FNBO Pre-Approved? in Credit Card Approvals

FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 17:18:17 GMT

Today I trot out the the mailbox and I see an evelope from First National Bank of Omaha. Open it up and it's a pre-approval letter. Go to this website, fill in the codes and get your card. Hummm. Is this really and approval? I don't want to waste andother HP on my CR only to get turned down. Anyone else have this? No baddies my scores are in the low 700's and I have a ton of inquiries.

Thanks

Re: FNBO Pre-Approved?

thewally — Tue, 15 Jul 2014 17:46:19 GMT

I'm in the same shape score wise. I applied the other day, they pulled TU and gave me a $6k line. Not my highest but a good starting point.

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 17:48:07 GMT

Did you get a pre-approval letter or just apped off the web?

Re: FNBO Pre-Approved?

Anonymous — Tue, 15 Jul 2014 17:53:22 GMT

I just apped of the web, and i got declined. Dont know the score yet.

Two Tradelines 1-Secured 2) KOHLs . Secured has on-time payments for 1 year, KOHL's has 1 mo reporting only

They pulled Experian for me. Some other poster is mentioning TU; I m in Texas

I never got a pre-approval letter from them. I would app for a secure card with FNBO first to see if they are accepting apps in the region.

Re: FNBO Pre-Approved?

SpiceIslander — Tue, 15 Jul 2014 18:05:18 GMT

Pre-approval is never a sure thing but from what I've read and also my own personal experience, FNBO pre-approvals carry lots of weight. I think they pre-quality before send them out. Good luck!

Re: FNBO Pre-Approved?

-NewGuy- — Tue, 15 Jul 2014 18:06:36 GMT

FNBO pre-approvals have been pretty solid from what I've read. They are also awesome on CLIs and give you a free EX 08 FICO score.

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 18:08:21 GMT

Good to know Meg. I'm sitting here with a Cigar in one hand and an unopened bottle of Buffalo Trace in the other. Maybe I'll wait till tonight and pull the trigger. Hate to lose my spade however.

Re: FNBO Pre-Approved?

SpiceIslander — Tue, 15 Jul 2014 18:10:48 GMT

@obageegee wrote:
Good to know Meg. I'm sitting here with a Cigar in one hand and an unopened bottle of Buffalo Trace in the other. Maybe I'll wait till tonight and pull the trigger. Hate to lose my spade however.

Don't go drapping, please!

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 18:13:53 GMT

I'll be good. The last drapping episode I had was about 2 years ago. 21 apps in one night! I'm on the wagon. (I think)

Re: FNBO Pre-Approved?

SpiceIslander — Tue, 15 Jul 2014 18:17:58 GMT

@-NewGuy- wrote:
FNBO pre-approvals have been pretty solid from what I've read. They are also awesome on CLIs and give you a free EX 08 FICO score.

@Anonymous. Mine started @ 3,600.00 and is now @ 8,900.00 all through auto CLIs. I'm also loving the Experian FICO score.

Re: FNBO Pre-Approved?

Anonymous — Tue, 15 Jul 2014 18:21:56 GMT

obageegee - just do it.

Re: FNBO Pre-Approved?

Anonymous — Tue, 15 Jul 2014 18:22:59 GMT

I just got my second one for their Amex, and again I wonder why people want this card (yes, I know, good on CLIs, but the rewards suck!). Once more, I was struck by the letter, offering me the "rewards I deserve", 1% on everything, every day! Wow, how totally special.

Even better, it is an Amex, with all the restricted acceptance that implies, has a 3% FTF, and, as an additional bonus, reward points expire after 3 years.

There are so many better cards.

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 18:27:42 GMT

Got to get a little liquid courage up. :-)

Re: FNBO Pre-Approved?

thewally — Tue, 15 Jul 2014 19:28:11 GMT

I received the letter too.

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 19:52:01 GMT

Must be doing a mass mailing

Re: FNBO Pre-Approved?

Involver — Tue, 15 Jul 2014 21:06:23 GMT

I apped after getting a pre-approval and was approved for the Amex.

They can be INQ sensitive and also pull ARS in addition to EX (for me).

Re: FNBO Pre-Approved?

Hightechredneck — Tue, 15 Jul 2014 21:09:34 GMT

Cool thanks. I'm still on the fence for this pre-approval for Plat. Visa.

Re: FNBO Pre-Approved?

Anonymous — Tue, 15 Jul 2014 21:11:58 GMT

What is ARS?

is that ChexSystem

Re: FNBO Pre-Approved?

woodyman100 — Tue, 15 Jul 2014 21:21:35 GMT

I have received a couple of preapproved denial letters from them. Inquiries are the culprit

Re: FNBO Pre-Approved?

Anonymous — Tue, 15 Jul 2014 21:25:55 GMT

other than inquiries anything else was said on the denial letter. what was your score then?