topic Re: FNBO Evergreen VISA approval - BK DPs... in Credit Card Approvals

FNBO Evergreen VISA approval - BK DPs...

madmug — Thu, 17 Jun 2021 21:18:44 GMT

Jumped on the FNBO train on 5/1...was hesitant because none of the other national/regional banks will touch me after BK

Prequalified in April for highest APR but APR dropped to 22.95% on 5/1 so I figured I might actually have a shot.

Approved for $15K with 2 year 6mth old BK reporting.

DPs at time of application:

EX 08 Fico: 686

Instant approval / no POI needed

Income: $100K +

AAOA: 4 yrs
Derogs?: BK 7 / Discharged Nov 18

Util: 5%

Total EX Inquiries:

Last 12 months: 8

Last 6 months: 7
New Accounts in last 12 months: 4
Last 6 months: 3

Re: FNBO Evergreen VISA approval - BK DPs...

coreyb80 — Thu, 17 Jun 2021 21:20:23 GMT

Congrats on the approval!

Re: FNBO Evergreen VISA approval - BK DPs...

madmug — Thu, 17 Jun 2021 21:25:33 GMT

...forgot to add, this is my biggest CL since BK on a bank card. Only CL higher is Overstock store card at $20,600

Navy is being stingy with me for some reason (i know, i know, give it time...)

Re: FNBO Evergreen VISA approval - BK DPs...

CreditAggie — Thu, 17 Jun 2021 21:38:00 GMT

Congratulations on your FNBO approval!

Re: FNBO Evergreen VISA approval - BK DPs...

WavysMommy — Thu, 17 Jun 2021 21:59:26 GMT

@madmug wrote:
Jumped on the FNBO train on 5/1...was hesitant because none of the other national/regional banks will touch me after BK

Prequalified in April for highest APR but APR dropped to 22.95% on 5/1 so I figured I might actually have a shot.
Approved for $15K with 2 year 6mth old BK reporting.

DPs at time of application:
EX 08 Fico: 686
Instant approval / no POI needed
Income: $100K +
AAOA: 4 yrs
Derogs?: BK 7 / Discharged Nov 18
Util: 5%
Total EX Inquiries:
Last 12 months: 8
Last 6 months: 7
New Accounts in last 12 months: 4
Last 6 months: 3

Thanks for this. I was "prequalified" but declined due to the BK in May. My BK is barely 2 years old, so it seems 2.5 years or more is the benchmark for approval.

Oh and congrats on your approval!

Re: FNBO Evergreen VISA approval - BK DPs...

KingRue8500 — Thu, 17 Jun 2021 22:11:38 GMT

Congrats on your FNBO Evergreen Visa approval

Re: FNBO Evergreen VISA approval - BK DPs...

Elpadrino1 — Thu, 17 Jun 2021 22:19:35 GMT

Congratulations on your approval! Nice SL!

Re: FNBO Evergreen VISA approval - BK DPs...

babygirl1256 — Thu, 17 Jun 2021 22:55:07 GMT

Congrats on your FNBO Evergreen VISA approval . . . that is awesome!!!

Re: FNBO Evergreen VISA approval - BK DPs...

Mr_Mojo_Risin — Thu, 17 Jun 2021 23:09:42 GMT

Congrats on a great approval! Enjoy that sweet SL!

Re: FNBO Evergreen VISA approval - BK DPs...

mrcraft — Fri, 18 Jun 2021 02:26:44 GMT

Congratulations on your approval!!

Re: FNBO Evergreen VISA approval - BK DPs...

gdale6 — Fri, 18 Jun 2021 02:44:16 GMT

Excellent approval from FNBO and as you found out they are BK friendly, grats on the 15K

Re: FNBO Evergreen VISA approval - BK DPs...

gingerflower — Fri, 18 Jun 2021 03:59:08 GMT

Big Congratulations to you! Monster SL...Enjoy!

Re: FNBO Evergreen VISA approval - BK DPs...

Total80sKid — Fri, 18 Jun 2021 08:07:26 GMT

Congrats on your FNBO approval and excellent SL! 👍🏼🎉

Re: FNBO Evergreen VISA approval - BK DPs...

Anonymous — Fri, 18 Jun 2021 13:44:11 GMT

Congrats on the approval. I have been considering applying for the card as I received the $15k prequal offer but was concerned about my number of new accounts, 6 in the past year and 2 in the past 6 months. However, your experience shows that might not be an issue. It's definitely tempting...

Re: FNBO Evergreen VISA approval - BK DPs...

FalconSteve — Fri, 18 Jun 2021 14:00:57 GMT

Congrats!