topic Re: Joining the FNBO train in Credit Card Approvals

Joining the FNBO train

rostrow416 — Wed, 12 May 2021 20:40:22 GMT

Well I lost my will power and checked by prequalifier for the FNBO Evergreen. Got a preapproval for $15k at a 22% rate. Last month I got $14k at 25%. I figure they must want me, right? Instant approval, $15k. It was much easier to resist when credit was bad.

EX 740 Inq 22 lol/24

Also have a pair of CLI declines to report - Amazon and Sportsman's Guide.

Called in to Credit Solutions and asked for a $5k increase to $15k total. It was a hard no without a counter. I'm thinking that after $10k, time between CLI approval goes up. Happened with my PayBoo card - I was getting CLIs every 2 months, but to go from 10k to 15k took 4. So I'll give Amazon 3 more months since its been 3 since my last CLI.

Sportsman's Guide has been 4 months +1 day like clockwork, but this time got denied. Letter stated that I've reached max limit on this account....OK.

I also decided to close my Overstock store card and next up is my Comenity Mastercard. For some reason these accounts report a fraud alert that I used to have. They decline stating that I have no number listed and that they can't contact me. I believe these cards are on a different system than Sportsman's Guide. Since no one at Comenity can help (I've mean trying for half a year now - secure message, phone, mail - got me nowhere) these accounts can go.

Well thats all for now.

Re: Joining the FNBO train

AllZero — Wed, 12 May 2021 20:40:58 GMT

Congratulations on your approval!

Re: Joining the FNBO train

M_Smart007 — Wed, 12 May 2021 20:58:32 GMT

Congratulations on your approval!

Re: Joining the FNBO train

gdale6 — Wed, 12 May 2021 21:33:00 GMT

Grats and welcome to the FNBO fam!

Re: Joining the FNBO train

CreditAggie — Wed, 12 May 2021 22:22:21 GMT

Congratulations on your FNBO approval!

Re: Joining the FNBO train

Beast26 — Wed, 12 May 2021 22:38:24 GMT

Congratulations! I just learned about this card and it seems like it is solid. I may get it because they seem to be very generous with starting limits!

Re: Joining the FNBO train

Mr_Mojo_Risin — Wed, 12 May 2021 22:45:15 GMT

Yep, when my credit was jacked up it never crossed my mind to app for anything. A lot easier then not to apply lol.

Big congrats to you on a pretty sweet approval!

Re: Joining the FNBO train

Anonymous — Wed, 12 May 2021 22:50:32 GMT

Congratulations!
My knees buckled this week and I joined, too. Looks like we're in good company.

Re: Joining the FNBO train

spiritcraft1 — Wed, 12 May 2021 23:20:42 GMT

@rostrow416 wrote:
Well I lost my will power and checked by prequalifier for the FNBO Evergreen. Got a preapproval for $15k at a 22% rate. Last month I got $14k at 25%. I figure they must want me, right? Instant approval, $15k. It was much easier to resist when credit was bad.
EX 740 Inq 22 lol/24

My sentiments exactly...

Excellent approval, congrats. Thank you for the DP's and for the great info on SyncB and Comenity also.

This is indeed becoming a train...

Re: Joining the FNBO train

KatSoDak — Thu, 13 May 2021 01:19:06 GMT

Congratulations on the new card and great SL!

I have a Scheels Visa issued by FNBO and have been considering another FNBO card. The bank has nice periodic promos and is very fair on CLIs. So I recently apped for and got approved for the Evergreen card with a nice SL , and decent APR. Of course they queried Experian. Ack. I think I'm back up to 5 now.

My online gardening skills are terrible. I took the poor sprout out of my siggy because I'm so lousy at it, but now that it's warm here finally, I'm getting some real gardening done outside.

Re: Joining the FNBO train

gingerflower — Thu, 13 May 2021 01:20:29 GMT

Congratulations awesome SL!

Re: Joining the FNBO train

TIPPY-BOB — Thu, 13 May 2021 06:04:13 GMT

Congratulations on your approval! 👍🥳

Re: Joining the FNBO train

babygirl1256 — Thu, 13 May 2021 07:21:42 GMT

Congrats on your FNBO Evergreen approval . . . nice SL.

Re: Joining the FNBO train

Total80sKid — Thu, 13 May 2021 07:24:06 GMT

Congrats on your FNBO approval!