topic Re: FNBO Approval -- 15 days after application in Credit Card Approvals

FNBO Approval -- 15 days after application

SweetCreditObsession — Mon, 26 Jul 2021 18:31:40 GMT

I applied for the FNBO Visa on 7/11/21. The application went into a Pending status. I didn't receive any emails or anything, thus I called after four days to determine if they needed additional information to make a decision.

The representative reached out to underwriting who said that they didn't need anything further and that my app was in the queue for review.

I received a letter dated 7/20 on 7/23. They were requesting that I mail a copy of my DL, signed SS card and W-2s for the last two years. I called customer service and asked if I could fax or electronically submit the documents. The agent gave me a fax number and I sent the information that same day (last Friday, after 5 PM PST).

I just checked my application status on their website and see a message stating that I've been approved as of 7/26 with an initial credit line of $15,000 (which matches my pre-approval amount) and the card will arrive in 7-10 days.

I haven't received an email yet but I hope that these DPs help someone.

Have a great day!

Re: FNBO Approval -- 15 days after application

gdale6 — Mon, 26 Jul 2021 18:45:05 GMT

Grats on your new FNBO card

I see they are asking for income verification this is new over the last year with some people.

Re: FNBO Approval -- 15 days after application

SweetCreditObsession — Mon, 26 Jul 2021 18:52:23 GMT

Yeah, I'm a rebuilder with a 30 day late from Jan 2016 and a couple of 30/60 day lates from 2014 and 2015 for SL.

I also have high a SL balance so perhaps that's why they took a measured approach with me.

Re: FNBO Approval -- 15 days after application

SoCalGardener — Mon, 26 Jul 2021 19:03:02 GMT

Excellent approval! Congratulations on your shiny new card.

In my experience, 15 excruciating days of waiting always meant a denial! I'm glad yours turned out so much better.

Re: FNBO Approval -- 15 days after application

Taurus22 — Mon, 26 Jul 2021 19:20:12 GMT

That's great news! Congrats on your big approval!

Hopefully it won't take 15 more days to get your new shiny green card....

Re: FNBO Approval -- 15 days after application

Anonymous — Mon, 26 Jul 2021 19:33:29 GMT

That is great news.

Good to hear.

Thanks

Mark

Re: FNBO Approval -- 15 days after application

KatSoDak — Mon, 26 Jul 2021 19:55:19 GMT

Big congrats, especially on your followup to their document requests!

I've said it before: I like this bank. I have a several year old FNBO-issued Scheels Visa and DH has a Signature Visa of some flavor. I also picked up the Evergreen this spring.

Both our older cards have low interest loan offers. I took advantage of a small loan a while back which is almost paid off that was 4.99% interest I think. These open ended loans are very generous offerings and can be more useful than balance transfer checks because the length of the loan is determi ed by the borrower.

We just leaned our 3/4 ton truck is going to need some engine work that will run about $3500. Going to use one of the checks DH received from FNBO. I almost tossed the checks because I didn't think we'd need them.

Re: FNBO Approval -- 15 days after application

M_Smart007 — Mon, 26 Jul 2021 20:29:22 GMT

Congrats @SweetCreditObsession , on your FNBO approval👍

Re: FNBO Approval -- 15 days after application

SweetCreditObsession — Mon, 26 Jul 2021 22:28:14 GMT

Thank you @M_Smart007, @Anonymous @Taurus22 @SoCalGardener.

Re: FNBO Approval -- 15 days after application

SweetCreditObsession — Mon, 26 Jul 2021 22:29:45 GMT

Thank you, @gdale6 .

@KatSoDak - Thank you for the well wishes and for the DPs. I'm looking forward to getting started on working with FNBO.

Re: FNBO Approval -- 15 days after application

coreyb80 — Mon, 26 Jul 2021 23:21:43 GMT

Congrats on the approval!

Re: FNBO Approval -- 15 days after application

Elpadrino1 — Tue, 27 Jul 2021 00:38:08 GMT

Congratulations on your approval!!

Re: FNBO Approval -- 15 days after application

gingerflower — Tue, 27 Jul 2021 02:42:55 GMT

Congratulations!

Re: FNBO Approval -- 15 days after application

CreditAggie — Tue, 27 Jul 2021 03:12:37 GMT

Congratulations on your FNBO approval!

Re: FNBO Approval -- 15 days after application

Total80sKid — Tue, 27 Jul 2021 08:04:17 GMT

Congrats on your FNBO approval 👍🏼

Re: FNBO Approval -- 15 days after application

Anonymous — Tue, 27 Jul 2021 18:18:32 GMT

@SweetCreditObsession wrote:
I applied for the FNBO Visa on 7/11/21. The application went into a Pending status. I didn't receive any emails or anything, thus I called after four days to determine if they needed additional information to make a decision.

The representative reached out to underwriting who said that they didn't need anything further and that my app was in the queue for review.

I received a letter dated 7/20 on 7/23. They were requesting that I mail a copy of my DL, signed SS card and W-2s for the last two years. I called customer service and asked if I could fax or electronically submit the documents. The agent gave me a fax number and I sent the information that same day (last Friday, after 5 PM PST).

I just checked my application status on their website and see a message stating that I've been approved as of 7/26 with an initial credit line of $15,000 (which matches my pre-approval amount) and the card will arrive in 7-10 days.

I haven't received an email yet but I hope that these DPs help someone.

Have a great day!

Congrats! I got with them this past Feb 2021. They gave me the same amount 15K. Used them for a BT sent over about 10K since they had a low interest rate for the first year. About 2 weeks ago I got an email from them saying they were raising my CL to 18K!!! I was happy! No credit pull and I didn't even ask for it. Also I don't use the card. I only used for that balance transfer.

Re: FNBO Approval -- 15 days after application

SweetCreditObsession — Tue, 27 Jul 2021 21:21:36 GMT

Thank you, @coreyb80 @gingerflower @Elpadrino1 @Total80sKid @CreditAggie @gingerflower 🙂

Re: FNBO Approval -- 15 days after application

SweetCreditObsession — Tue, 27 Jul 2021 21:23:21 GMT

@Anonymous - Thank you and I appreciate hearing your experience. It's good to know that it has growth potential. I will keep that in mind once I get the card.

Re: FNBO Approval -- 15 days after application

Mr_Mojo_Risin — Tue, 27 Jul 2021 22:01:04 GMT

You got a great approval here, I'm glad it worked out well for you.

Congratulations!

Re: FNBO Approval -- 15 days after application

Anonymous — Tue, 27 Jul 2021 23:40:43 GMT

@SweetCreditObsession wrote:
@Anonymous - Thank you and I appreciate hearing your experience. It's good to know that it has growth potential. I will keep that in mind once I get the card.

No problem thank you! I like them so far