topic Re: FNBO Approval! in Credit Card Approvals

FNBO Approval!

difringe — Fri, 03 Dec 2021 04:12:29 GMT

So I'm minding my own business in the garden, avoiding any sort of interaction with apps after my Apple Card approval, and DW asks me about a trip to Disney World this April

I have SUBs for Amex EDP and Rose Gold, but that spend was already accounted for, and the only 0% APR on purchases that I got in my recent stretch of approvals was for the Reflect card, which I'm keeping under 69% utilization, balance transfer included...so I had no 0% APR offer I could use.

I had worked out how I'd handle this expense on my existing cards, but something told me to check FNBO to see if I prequalified for their Evergreen card...on one hand, they pull Experian and I had 3 Experian HPs from the last 31 days, but what's the worst that could happen, right? A denial and a reset of my gardening calendar? Gardening is overrated anyway, amirite?!

Hit the pre-qualification link, got an offer of $15k at 18.99%, and once I found the radio button (thanks to the long FNBO thread LOL), went ahead and clicked continue. Was kinda worried that with the 3 pre-qualification checks I had done today (bc I couldn't find that freaking button!) I might end up in the sorta situation that you would if you tried that mess with Penfed, but approval came through!

$15k approval, my largest limit to date, APR was not on the approval message. Says I'll get the card in 7-10 days.

I don't have the monthly MyFICO membership, so idk my EX09 Bankcard score, but my EX08 is 722 as of today.

Same stats as my Apple card thread.

OK NOW SERIOUSLY TO THE GARDEN UNTIL JUNE

Re: FNBO Approval!

Ilinferno — Fri, 03 Dec 2021 02:52:46 GMT

Very nice! Congrats! Enjoy the garden...while it lasts.

Re: FNBO Approval!

CreditAggie — Fri, 03 Dec 2021 02:57:16 GMT

Congratulations on your FNBO approval!

Re: FNBO Approval!

mrcraft — Fri, 03 Dec 2021 02:58:58 GMT

Congratulations on your FNBO approval!!

I couldn't find that button for a while too!

Re: FNBO Approval!

M_Smart007 — Fri, 03 Dec 2021 02:59:30 GMT

Grats on the FNBO approval.

Re: FNBO Approval!

Rebuild2019 — Fri, 03 Dec 2021 03:01:34 GMT

Congratulations 🎊🎈🍾🎉 on your FNBO Approval.

Re: FNBO Approval!

Trini88 — Fri, 03 Dec 2021 03:01:38 GMT

Congratulations!!!! 🥳🎉🎊

I keep trying to stay in the garden but I keep getting pulled back out 😂😂.

Re: FNBO Approval!

Titans84 — Fri, 03 Dec 2021 03:01:54 GMT

Congrats on your FNBO Evergreen approval!

Re: FNBO Approval!

sugarcreek67 — Fri, 03 Dec 2021 03:08:36 GMT

Congrats on the FNBO approval

Re: FNBO Approval!

CreditMagic7 — Fri, 03 Dec 2021 04:06:16 GMT

Congratulations on the FNBO approval!

Re: FNBO Approval!

mrtech3 — Fri, 03 Dec 2021 04:27:15 GMT

Congrats to you....very nice CL...You will love FNBO

Re: FNBO Approval!

Total80sKid — Fri, 03 Dec 2021 05:30:15 GMT

Congrats on your FNBO approval 👍🏼

Re: FNBO Approval!

TSlop — Fri, 03 Dec 2021 13:54:00 GMT

Congrats on your approval!

Re: FNBO Approval!

gdale6 — Fri, 03 Dec 2021 16:23:31 GMT

That is a top approval out of FNBO, grats on it!

Re: FNBO Approval!

difringe — Fri, 03 Dec 2021 16:48:20 GMT

Thanks all for the congrats! With this, over the past 32 days, I've almost doubled my TCL from $39.6k to $78.8k!

Re: FNBO Approval!

Anonymous — Fri, 03 Dec 2021 18:18:55 GMT

Congrats!!

Re: FNBO Approval!

cashorcharge — Fri, 03 Dec 2021 22:19:15 GMT

That's terrific!! Congratulations on your FNBO Approval!! 🥂🎉👏🏻

Re: FNBO Approval!

ohjoy — Sat, 04 Dec 2021 01:29:41 GMT

Congrats on the approval!!

Re: FNBO Approval!

Anonymous — Sun, 05 Dec 2021 15:51:51 GMT

Congratulations

Re: FNBO Approval!

UH_HUH — Sun, 05 Dec 2021 18:35:28 GMT

@difringe wrote:
So I'm minding my own business in the garden, avoiding any sort of interaction with apps after my Apple Card approval, and DW asks me about a trip to Disney World this April

I have SUBs for Amex EDP and Rose Gold, but that spend was already accounted for, and the only 0% APR on purchases that I got in my recent stretch of approvals was for the Reflect card, which I'm keeping under 69% utilization, balance transfer included...so I had no 0% APR offer I could use.

I had worked out how I'd handle this expense on my existing cards, but something told me to check FNBO to see if I prequalified for their Evergreen card...on one hand, they pull Experian and I had 3 Experian HPs from the last 31 days, but what's the worst that could happen, right? A denial and a reset of my gardening calendar? Gardening is overrated anyway, amirite?!

Hit the pre-qualification link, got an offer of $15k at 18.99%, and once I found the radio button (thanks to the long FNBO thread LOL), went ahead and clicked continue. Was kinda worried that with the 3 pre-qualification checks I had done today (bc I couldn't find that freaking button!) I might end up in the sorta situation that you would if you tried that mess with Penfed, but approval came through!

$15k approval, my largest limit to date, APR was not on the approval message. Says I'll get the card in 7-10 days.

I don't have the monthly MyFICO membership, so idk my EX09 Bankcard score, but my EX08 is 722 as of today.

Same stats as my Apple card thread.

OK NOW SERIOUSLY TO THE GARDEN UNTIL JUNE

Firstly,congratulations on your FNBO approval @difringe

Very nice SL.

Even more excited to read about your coming trip to Disney World.

That is my favorite spot to take my daughter to...and if I'm being

honest I have been there quite a few times before becoming a Dad.

Enjoy your trip and your card,

thanks for posting,

Cheers