topic Re: FNBO MLife Approved! in Credit Card Approvals

FNBO MLife Approved!

KrazyKanzan — Sat, 04 Dec 2021 02:49:54 GMT

I'm pretty certain that I read every single post pertaining to this specific card before I said, "I only have 1 inquiry on EX, so why not give it a shot? A denial won't hurt my feelings (too much!)" - INSTANT APPROVAL!!!

Im pleasantly surprised because EX is my lowest score by about 50 points at 668, compared to TU and EQ. 668 is according to the EX app I have on my phone. 717 was my FICO 9 score from my original Ollo starter card after my BK13 in March 2018.

Data points that I thought would be useful:

- I have an open BK13 that is coming up on the 4/5 year mark

- EX has a derogatory account reporting every month in relation to a balance that was written off as part of the BK13 (this will continue until discharge March 2023)

- I have no prior relationship with FNBO

- Already mentioned, but 1 inquiry on EX

Hopefully this information will be useful for people with similar profiles. I am pretty shocked and overly excited to have both the Caesars Rewards Visa, as well as the MLife Mastercard. The bank that has my mortgage accepts Mastercard and Discover to make the mortgage payment, so how's that for an easy way to add points to the pile?? If I already have to make the payment every month anyway, why not get some rewards?!

Also, it's a good thing I was sitting down when I got the approval, because I am totally thrilled with the SL of $9,300!!

Re: FNBO MLife Approved!

M_Smart007 — Mon, 29 Nov 2021 02:53:53 GMT

Congratulations on your FNBO MLife approval.

They are a great bank to work with

Re: FNBO MLife Approved!

CreditMagic7 — Mon, 29 Nov 2021 03:15:20 GMT

Fantastic! Put on some good mood music and celebrate. Very nice FNBO SL for you. Congrats!

Re: FNBO MLife Approved!

CYBERSAM — Mon, 29 Nov 2021 03:19:04 GMT

Congrats on your approval! 🤑

Re: FNBO MLife Approved!

CreditAggie — Mon, 29 Nov 2021 03:25:25 GMT

Congratulations on your FNBO approval!

Re: FNBO MLife Approved!

MmmarkAz — Mon, 29 Nov 2021 03:36:46 GMT

@KrazyKanzan Congrats! on your FNBO MLife Approval and Nice SL 😃

Re: FNBO MLife Approved!

Ilinferno — Mon, 29 Nov 2021 03:48:50 GMT

That's awesome congratulations!!

Re: FNBO MLife Approved!

Anonymous — Mon, 29 Nov 2021 04:19:56 GMT

Congratulations!

Re: FNBO MLife Approved!

Total80sKid — Mon, 29 Nov 2021 05:12:40 GMT

Congrats on your FNBO approval 👍🏼

Re: FNBO MLife Approved!

Rebuild2019 — Mon, 29 Nov 2021 05:28:32 GMT

Congratulations 🎉🎈🎊 on your FNBO MLife approval & SL.

Re: FNBO MLife Approved!

TSlop — Mon, 29 Nov 2021 11:27:30 GMT

Congrats on your approval!

Re: FNBO MLife Approved!

gdale6 — Mon, 29 Nov 2021 16:42:18 GMT

Grats on your FNBO Mlife approval

Re: FNBO MLife Approved!

Titans84 — Mon, 29 Nov 2021 18:42:48 GMT

Congrats on your FNBO MLife approval!

Re: FNBO MLife Approved!

tpdtopcop — Fri, 03 Dec 2021 21:24:53 GMT

FNBO Mlife card and they approved you with an open BK13 showing on your Experian report with other baddies reporting? Ceasers visa was also an approval with open BK13? Which bank is Ceasers Visa with?

Re: FNBO MLife Approved!

KrazyKanzan — Fri, 03 Dec 2021 21:40:29 GMT

Yes, that's correct. The only bad mark other than the BK13 on Experian is the derogatory charged off account. Apparently that isn't a factor since I'm almost 4 years in to my 5 year plan?

Comenity Bank has the Caesars Visa. They only pulled EQ for me, and the only bad mark on that report is the BK13.

I did a short write-up of my Caesars Visa approval about 2 years ago that kind of explained my situation. If I can find the link for that thread, I'll post it here.

I came across a couple posts here that said FNBO likes to see at least 3 years of post-BK filing activity. I'm at about month 45 right now. I also read that FNBO does not automatically disqualify you with an open BK13, per one of their representatives.

What really shocked me about the FNBO approval was that it seemed like everything I read on here said that 99% of their applications go through manual approval. Mine came back instantly approved after about 20 seconds on the "processing" page.

@tpdtopcop wrote:
FNBO Mlife card and they approved you with an open BK13 showing on your Experian report with other baddies reporting? Ceasers visa was also an approval with open BK13? Which bank is Ceasers Visa with?

Re: FNBO MLife Approved!

tpdtopcop — Fri, 03 Dec 2021 21:57:24 GMT

@KrazyKanzan wrote:
Yes, that's correct. The only bad mark other than the BK13 on Experian is the derogatory charged off account. Apparently that isn't a factor since I'm almost 4 years in to my 5 year plan?

Comenity Bank has the Caesars Visa. They only pulled EQ for me, and the only bad mark on that report is the BK13.

I did a short write-up of my Caesars Visa approval about 2 years ago that kind of explained my situation. If I can find the link for that thread, I'll post it here.

I came across a couple posts here that said FNBO likes to see at least 3 years of post-BK filing activity. I'm at about month 45 right now. I also read that FNBO does not automatically disqualify you with an open BK13, per one of their representatives.

What really shocked me about the FNBO approval was that it seemed like everything I read on here said that 99% of their applications go through manual approval. Mine came back instantly approved after about 20 seconds on the "processing" page.
@tpdtopcop wrote:
FNBO Mlife card and they approved you with an open BK13 showing on your Experian report with other baddies reporting? Ceasers visa was also an approval with open BK13? Which bank is Ceasers Visa with?

thanks for all the information. I just applied for the M life MasterCard with Comenity and I got the we will review and let you know in 7 to 14 days and they pulled Experian not showing any BK 13s on that report which is good but to derogatory's that should've been with the BKR showing. Might try the FNBO next

Re: FNBO MLife Approved!

KrazyKanzan — Fri, 03 Dec 2021 22:03:06 GMT

@tpdtopcop wrote:
@KrazyKanzan wrote:
Yes, that's correct. The only bad mark other than the BK13 on Experian is the derogatory charged off account. Apparently that isn't a factor since I'm almost 4 years in to my 5 year plan?

Comenity Bank has the Caesars Visa. They only pulled EQ for me, and the only bad mark on that report is the BK13.

I did a short write-up of my Caesars Visa approval about 2 years ago that kind of explained my situation. If I can find the link for that thread, I'll post it here.

I came across a couple posts here that said FNBO likes to see at least 3 years of post-BK filing activity. I'm at about month 45 right now. I also read that FNBO does not automatically disqualify you with an open BK13, per one of their representatives.

What really shocked me about the FNBO approval was that it seemed like everything I read on here said that 99% of their applications go through manual approval. Mine came back instantly approved after about 20 seconds on the "processing" page.
@tpdtopcop wrote:
FNBO Mlife card and they approved you with an open BK13 showing on your Experian report with other baddies reporting? Ceasers visa was also an approval with open BK13? Which bank is Ceasers Visa with?
thanks for all the information. I just applied for the M life MasterCard with Comenity and I got the we will review and let you know in 7 to 14 days and they pulled Experian not showing any BK 13s on that report which is good but to derogatory's that should've been with the BKR showing. Might try the FNBO next

I was originally denied by Comenity for the Caesars Visa in November, 2019 after a 7-10 day message. I applied again in January 2020 and was approved instantly.

My credit was good before the BK, so not sure if that has helped me or not. Other than the BK reporting, I have 1-2 inquiries on my reports.

Good luck to you!

Re: FNBO MLife Approved!

ohjoy — Fri, 03 Dec 2021 23:59:18 GMT

Nice! Congrats!!!

Re: FNBO MLife Approved!

Anonymous — Sat, 04 Dec 2021 01:02:30 GMT

Congrats for your aproval and a nice SL! To post a screenshot you can click on the camera icon with a label Photos and upload your photo. You can use Snipe to capture the screenshot and Paint to resize the screenshot if you are using Windows.

Re: FNBO MLife Approved!

KrazyKanzan — Sat, 04 Dec 2021 01:24:18 GMT

@Anonymous wrote:
Congrats for your aproval and a nice SL! To post a screenshot you can click on the camera icon with a label Photos and upload your photo. You can use Snipe to capture the screenshot and Paint to resize the screenshot if you are using Windows.

Thank you! This might sound off, but I don't remember seeing that camera logo on my phone when I made the OP the other night 🤷🏻‍♂️

I went back to my first post and added it!