topic Re: M Life Rewards approved (FNBO) in Credit Card Approvals

M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 19:09:45 GMT

applied on 7/20/16 with 50 inquiries, yes 50. MGM rewards website went down right after I applied and FNBO kept saying no decision no decision. Then they called and asked about inquiries and did verification questions. Well the MGM rewards website came back up last night and I got this today:

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 19:15:04 GMT

Congratulations! who did they pull? mind to share your data? Thanks!

Re: M Life Rewards approved (FNBO)

baller4life — Wed, 03 Aug 2016 19:23:49 GMT

Haha another one bites the dust. You at $750k yet?

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 19:28:05 GMT

@Anonymous wrote:
Congratulations! who did they pull? mind to share your data? Thanks!

Thanks. They pulled EX, EX FICO 717, 50 inquiries, $153,000 income. Just denied their savingstar Amex last month during to inquiries. Go figure this one gets approved.

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 19:28:35 GMT

@12njoy wrote:
applied on 7/20/16 with 50 inquiries, yes 50. MGM rewards website went down right after I applied and FNBO kept saying no decision no decision. Then they called and asked about inquiries and did verification questions. Well the MGM rewards website came back up last night and I got this today:

Wow! That's great again 12nJoy!!! Congrats! I got denied due to too many inquiries and I only have 17 inqs on my EX. They pulled my EX report . Can I recon my denial?

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 19:30:46 GMT

@baller4life wrote:
Haha another one bites the dust. You at $750k yet?

Another rabbit out the hat

Re: M Life Rewards approved (FNBO)

CreditCuriosity — Wed, 03 Aug 2016 19:35:00 GMT

Congrats.. FNBO has opened up to you that is for sure.. Curious how do you explain away the inquiries and new accounts to them when the UW asks? I want FNBO, but dread those questions as I honestly don't have a great answer other than I am constantly improving my cards with better cards and pruning that not so good cards.

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 19:35:33 GMT

@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 19:38:01 GMT

Congrats

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 19:38:03 GMT

@CreditCuriousity wrote:
Congrats.. FNBO has opened up to you that is for sure.. Curious how do you explain away the inquiries and new accounts to them when the UW asks? I want FNBO, but dread those questions as I honestly don't have a great answer other than I am constantly improving my cards with better cards and pruning that not so good cards.

It's always the sane way. I apt for cards to take advantage of rewards. I said that this time and told them I always stay at MGM properties. They may be trying to drum up clientele fir this card. Don't really know

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 19:41:39 GMT

@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?

Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 20:04:01 GMT

@Anonymous wrote:
@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?
Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.

Ok there are two other smaller ones. I think they are ARS and IDS. Maybe another member can chime in and let you know if the names are correct. It's been reported that FNBO uses one or both of these. I applied prior to having these two on ice and received a big fat no. After icing these, I've went on to get now 5 cards from them.

Re: M Life Rewards approved (FNBO)

Credit-hoarder — Wed, 03 Aug 2016 20:12:40 GMT

@12njoy wrote:
@Anonymous wrote:
@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?
Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.
Ok there are two other smaller ones. I think they are ARS and IDS. Maybe another member can chime in and let you know if the names are correct. It's been reported that FNBO uses one or both of these. I applied prior to having these two on ice and received a big fat no. After icing these, I've went on to get now 5 cards from them.

@12njoy: Congrats on another FNBO victory--and with a pretty good SL I might add. I'm not sure exactly what these bureaus are (I'm guessing something to do with check approval rating) but does this mean you got those approvals after putting them ON ice or taking them OFF ice?

Re: M Life Rewards approved (FNBO)

mystikal1 — Wed, 03 Aug 2016 20:15:10 GMT

Congrats!

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 20:24:37 GMT

@Credit-hoarder wrote:
@12njoy wrote:
@Anonymous wrote:
@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?
Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.
Ok there are two other smaller ones. I think they are ARS and IDS. Maybe another member can chime in and let you know if the names are correct. It's been reported that FNBO uses one or both of these. I applied prior to having these two on ice and received a big fat no. After icing these, I've went on to get now 5 cards from them.
@12njoy: Congrats on another FNBO victory--and with a pretty good SL I might add. I'm not sure exactly what these bureaus are (I'm guessing something to do with check approval rating) but does this mean you got those approvals after putting them ON ice or taking them OFF ice?

I got the approvals after putting them on ice. I don't know if that's a perceived or actual difference. I do know that a lot of people are denied by FNBO with a whole lot less inq's than me with way better scores.

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 20:30:48 GMT

@12njoy wrote:
@Anonymous wrote:
@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?
Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.
Ok there are two other smaller ones. I think they are ARS and IDS. Maybe another member can chime in and let you know if the names are correct. It's been reported that FNBO uses one or both of these. I applied prior to having these two on ice and received a big fat no. After icing these, I've went on to get now 5 cards from them.

Oh ok ... Are these different bureaus like the FICO? I have no clue about the ARS and IDS

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 20:38:52 GMT

@Anonymous wrote:
@12njoy wrote:
@Anonymous wrote:
@12njoy wrote:
@dendom,

I've tried to recon with them before and they didn't even take my request. I was always told to just reapply later. Do you have those two little bureaus on ice?
Thanks 12njoy. I only have EQ on ice ... my TU and EX are free.
Ok there are two other smaller ones. I think they are ARS and IDS. Maybe another member can chime in and let you know if the names are correct. It's been reported that FNBO uses one or both of these. I applied prior to having these two on ice and received a big fat no. After icing these, I've went on to get now 5 cards from them.
Oh ok ... Are these different bureaus like the FICO? I have no clue about the ARS and IDS

I believe they are databases that record all your credit card applications. Another member may better inform you

Re: M Life Rewards approved (FNBO)

Anonymous — Wed, 03 Aug 2016 20:41:20 GMT

Whoot! whoot!
I've been checking the approvals to see this.
Happy for you.
😆

Re: M Life Rewards approved (FNBO)

redpat — Wed, 03 Aug 2016 20:42:42 GMT

Congrats.

Just curious, how many of your cards do you use?

That must be one hell of a rotation if all are used.

Where do you put your socks?

Re: M Life Rewards approved (FNBO)

12njoy — Wed, 03 Aug 2016 20:47:00 GMT

@Anonymous wrote:
Whoot! whoot!
I've been checking the approvals to see this.
Happy for you.
😆

Thank you. I found out about the card here. Was it you who posted about being approved for this.