topic Re: First Bankcard Pre-Approval Link? in Credit Card Applications

First Bankcard Pre-Approval Link?

Anonymous — Mon, 28 May 2018 16:42:28 GMT

I have tried searching the internet, but I cannot find a pre-approval link for First Bankcard.

I am interested in getting the Ducks Unlimited card that offers 5% cash back on gas, but I am not sure I would qualify due to high utilization on another card. I am paying off the other card, but I want to earn 5% cash back on gas. Any gas spend on the card, I would immediately make a payment for from my checking account. So in essence the card would be a debit card, but with better protection in case the card is skimmed at the pump. Plus it would earn 5% back on gas.

If anyone has a link, I would appreciate it being posted.

Thank you.

Re: First Bankcard Pre-Approval Link?

FinStar — Tue, 29 May 2018 15:30:29 GMT

There's no pre-approval link OP. The only current link(s) are for targeted offers for any of the FNBO cards via an invite (email or snail mail).

Re: First Bankcard Pre-Approval Link?

Anonymous — Tue, 29 May 2018 15:35:41 GMT

All right; thank you.

Have a good week!

Re: First Bankcard Pre-Approval Link?

stellar — Tue, 29 May 2018 21:44:58 GMT

You can check credit pulls database for stats on approvals/denials. The underwriting may be similar to the NRA card.

Fyi they are known to be a conservative bank. They deny for too many inquiries even as few as 5. They check other reporting agencies like IDA which you can freeze. And I personally wouldn't apply with less than 700 score and zero inquiries in 6 months. They use EX-08 BankCard enhanced.

Re: First Bankcard Pre-Approval Link?

Anonymous — Wed, 30 May 2018 05:04:24 GMT

All right; that is good info. Thanks!

I do not have any inquries at all on my reports.

According to WF my EX-09 is a 717.

But I do have approximately 69% utilization on one of my two cards.

I had never even heard of IDA before. I'll read about IDA in the morning.

Thanks again!

Re: First Bankcard Pre-Approval Link?

stellar — Wed, 30 May 2018 21:15:39 GMT

The other agency you may want to freeze is ARS. Idk if there are any others they may use besides those 2 and Experian.

Re: First Bankcard Pre-Approval Link?

Anonymous — Thu, 31 May 2018 03:22:25 GMT

Thank you.

It looks IDA has been renamed to SageStream. This appears to be the link to freeze with SageStream.

https://www.sagestreamllc.com/security-freeze/

And I believe this is the link to freeze with ARS.

https://ars-consumeroffice.com/securityfreeze.faces

It seems there is an ARS collections agency. Is this the same company that does ARS credit reporting?

If I do not have any inquiries in years, would I still need to freeze the two bureaus before applying?

Thanks!

Re: First Bankcard Pre-Approval Link?

Anonymous — Thu, 31 May 2018 04:12:41 GMT

Should I freeze Innovis or any of the others beyond SageStream and ARS?

Thank you.