topic Re: Three recent wins in Credit Card Approvals

Three recent wins

Anonymous — Mon, 21 Jun 2021 17:23:33 GMT

So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.

Re: Three recent wins

Elpadrino1 — Sun, 20 Jun 2021 19:56:12 GMT

Congratulations on your approval!! Nice SL

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 17:24:10 GMT

@Anonymous wrote:
So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.

@Anonymous congratulations on a nice approval!!!

Re: Three recent wins

firefox100 — Sun, 20 Jun 2021 20:28:30 GMT

Congratulations nice way to go.

Re: Three recent wins

MrDFinance — Sun, 20 Jun 2021 20:40:15 GMT

Congrats on the approval and that limit 🤓

Re: Three recent wins

CreditAggie — Sun, 20 Jun 2021 20:44:53 GMT

Congratulations on your FNBO approval!

Re: Three recent wins

gdale6 — Sun, 20 Jun 2021 21:05:54 GMT

FNBO comes through again, sometimes I wonder if they are giving up on some of their conservative stance. Grats on the excellent SL and the 2 Disco increases

Re: Three recent wins

KingRue8500 — Sun, 20 Jun 2021 21:13:50 GMT

Congrats on your FNBO Evergreen Rewards Visa approval

Re: Three recent wins

Mr_Mojo_Risin — Mon, 21 Jun 2021 17:24:48 GMT

@Anonymous wrote:
So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.

That FNBO prequal has been pretty valuable to many around here.

I'm happy to hear it worked out so well for you, that's an impressive SL.

Congratulations on 2 cool CLIs and a sweet approval!

Re: Three recent wins

Golf-and-Credit — Sun, 20 Jun 2021 21:53:00 GMT

FNBO for the win! Congrats @Anonymous for the approval and SL!

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 17:25:20 GMT

@Anonymous wrote:
So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.

Congrats on the CLIs and the approval!

Did you happen to catch what kind of APR they gave you for the FNBO?

Re: Three recent wins

Avinor — Sun, 20 Jun 2021 22:56:43 GMT

Congratz, that's amazing and an impressive CL!

Re: Three recent wins

babygirl1256 — Sun, 20 Jun 2021 23:22:53 GMT

Congrats on your three recent wins -but- a double congrats on your FNBO Evergreen approval -and- your monster SL.

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 00:00:03 GMT

Thank you all. I have been happy with FNBO - super easy app and site, zero card issues, and have never needed to contact them for anything. Everything just works flawlessly. The SLs have been very solid. Overall I'm happy with this bank and my Prime card, and I anticipate nothing different with this one

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 17:26:00 GMT

@Anonymous wrote:
@Anonymous wrote:
So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.
Congrats on the CLIs and the approval!

Did you happen to catch what kind of APR they gave you for the FNBO?

@Anonymous the APR is 22.99%. Certainly not great but I don't plan to carry balances on this for more than maybe a month or two. Anything beyond that would be on the Prime Visa and its 3.25% APR.

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 17:26:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So as it says, I've had three recent wins. One was 45 minutes ago, the other two this past six weeks. The past ones were Disco CLIs, $500 each on my ITCash and Chrome. Notable in that Disco actually said yes but otherwise pretty minor. ITCash is now at $4100 and Chrome is at $3000.

The bigger one was today. I've been following the FNBO Evergreen apps and results for awhile now. I ran the prequal when it was first shared, and followed up with it a couple times since. Each time it returned the same prequal. Tried it today and it was still showing good, so I went for it and was approved.

I'm an existing FNBO cardholder - I've had the Prime Visa since 1/24/2021. That was an approval from a mailer and netted a $9400 SL. I've only been with them just shy of five months (not even long enough for a CLI) so I was honestly unsure how this would go - why would they approve a new card in less time than it takes for CLI eligibility? But sometimes you gotta run one up the flagpole and see if anyone salutes it. In this case it worked out great.

For DPs, they pulled EX here in NY. My EX09 score in the app as of 6/9/2021 was 748 and I'm 7/12 for new accounts with UTI about 14%. I've been happy with FNBO thus far and this helps even more. It'll also allow me to put a bullet in a few low limit cards that aren't doing me any good.
Congrats on the CLIs and the approval!

Did you happen to catch what kind of APR they gave you for the FNBO?

@Anonymous the APR is 22.99%. Certainly not great but I don't plan to carry balances on this for more than maybe a month or two. Anything beyond that would be on the Prime Visa and its 3.25% APR.

I totally get it! Was just curious since I did preapprovals for both me and my SO. Seems like people that got approved had mostly lower APRs, but it is good to know that you dont have to have the lowest APR to be approved!

Congrats again, that is a healthy limit, you have come some far and can now reap all the rewards of your hard work and patience (that last one was a doozy!)!

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 00:13:01 GMT

Nope, the APR is definitely not an indicator of approval in the sense that a prequal above a certain APR is a No. my APR is definitely not awesome, but it didn't affect the approval or SL at all.

If you and hubby can get in with them, I think you'll be happy. And thank you, it is nice to see approvals like this one and the Navy approval in April, finally, instead of the smaller ones that had been more common before. I can't wait to see yours when your final derogs drop. You've busted your butt and your big SLs are right around the corner

Re: Three recent wins

Ficoproblems247 — Mon, 21 Jun 2021 01:24:43 GMT

Congrats on your Evergreen, and a great SL! Nice work coaxing stubborn Disco too!

Re: Three recent wins

Anonymous — Mon, 21 Jun 2021 01:28:09 GMT

@Ficoproblems247 wrote:
Congrats on your Evergreen, and a great SL! Nice work coaxing stubborn Disco too!

Ha! I wish I could say I coaxed them but like everyone else, I have no idea why they decided to say yes lol. Phase of the moon maybe?

I am curious to see whether this app will keep me from having a CLI eligible next month on the Prime though. I will definitely report back on that.

Re: Three recent wins

mrcraft — Mon, 21 Jun 2021 03:11:13 GMT

Congratulations on your CLIs and approval!!