topic Re: FNBO - Ducks Unlimited - Pending in Credit Card Applications

FNBO - Ducks Unlimited - Uppdate "DECLINED"

M_Smart007 — Wed, 22 May 2019 20:49:24 GMT

Link

https://ficoforums.myfico.com/t5/Credit-Cards/PNC-Cash-Rewards-vs-Ducks-Unlimited-Gas-Card/m-p/5621206#M1643547

So After Being Approved For The Schwab Amex Investor Card,

Really could'nt sleep.

I Really Wanted One More Card Before The Schwab/Amex Started Reporting.

So I apped for The FNBO Ducks Unlimited, and it went pending,

Does anyone have any input on weather to call in? or Just let it go through?

its I'm guessing Manual Review? I value your Input on what to do?

as I am not very Familiar with FNBO's Process.

Thanks to ALL

EDIT: I Called 1 (888) 295-5540, got a very nice lady in Customer Care,

I just asked, "since I don't quite know your process, do you need to Verify Anything?"

She Asked a few Basic Question's (Sounded Like Verification Of Me and where I Live)

She Said It "is pending", & "We Need A Little More Time and to call back in 24-48 Hours."

DP = They Hard Pulled EQ

View Application Status Application Pending

Date Application Received:	05/15/2019
Applicant Name:	XXXX X TXXXXXXX
Current Status:	Pending

Re: FNBO - Ducks Unlimited - Pending

pinkandgrey — Wed, 15 May 2019 16:40:56 GMT

Fingers crossed! Good luck! Great gas card

Re: FNBO - Ducks Unlimited - Pending

FinStar — Wed, 15 May 2019 16:46:49 GMT

IMO, just let it run through its paces. Since you already have the link for the application status, you can check it periodically until a decision is made.

Re: FNBO - Ducks Unlimited - Pending

M_Smart007 — Wed, 15 May 2019 16:53:33 GMT

@FinStar wrote:
IMO, just let it run through its paces. Since you already have the link for the application status, you can check it periodically until a decision is made.

Thank You!

Re: FNBO - Ducks Unlimited - Pending

CreditMagic7 — Wed, 15 May 2019 17:35:05 GMT

@FinStar wrote:
IMO, just let it run through its paces. Since you already have the link for the application status, you can check it periodically until a decision is made.

Roughly 2-3 days if not a busy week expect a phone call-you may need to answer a few security questions (as a heads up).

In my experience they draw question from your public records so if it falls on you to go through this process be prepared to remember places you lived previously, maybe property you owned or no longer owned etc.

It's a simple routine for me since i been through each application. Some folks may not need quized but i thought it worthwhile in case you go through that.

Once finished they send it to final approval where they can tell you right there and then your approval or other.

Re: FNBO - Ducks Unlimited - Pending

AverageJoesCredit — Wed, 15 May 2019 17:53:22 GMT

Quack Quack🦆🦆🦆

Re: FNBO - Ducks Unlimited - Pending

Shooting-For-800 — Wed, 15 May 2019 18:25:40 GMT

Hang in there. My approval was delayed also.

Good card. Just got a nice CLI ($2,000).

Re: FNBO - Ducks Unlimited - Pending

M_Smart007 — Wed, 15 May 2019 18:52:59 GMT

@CreditMagic7 wrote:
@FinStar wrote:
IMO, just let it run through its paces. Since you already have the link for the application status, you can check it periodically until a decision is made.
+1

Roughly 2-3 days if not a busy week expect a phone call-you may need to answer a few security questions (as a heads up).
In my experience they draw question from your public records so if it falls on you to go through this process be prepared to remember places you lived previously, maybe property you owned or no longer owned etc.

It's a simple routine for me since i been through each application. Some folks may not need quized but i thought it worthwhile in case you go through that.

Once finished they send it to final approval where they can tell you right there and then your approval or other.

Thanks For The Heads Up, I am already going over all the past in My Head.lol.

as long as they not those Equifax Questions UGHHHH,

I passed those a few times, so i am probably good, on the answer part.

since i have so many open TL's, I am trying to be very Selective on App'ing.

and only Get What I can Really Use, and not to just Get cards to get cards,

also not app'ing for Util. Padding.

I figured The Schwab/Amex would not be a HP, but one never knows. (I am Glad It Wasnt)

I wanted one More Card, so they card Age together, I really need to cool it on app'ing

so I can Get My AAoA back over 3 years. and let some more INQ's drop off.

It seems That My Individual Card Util. is not really Hurting Me, in which I am Surprised.

I could never do any of this without all the great advice on this Forum.

Thank you To ALL who Contribute!

Re: FNBO - Ducks Unlimited - Pending

bigpoppa09 — Thu, 16 May 2019 02:37:34 GMT

@M_Smart007 wrote:
So After Being Approved For The Schwab Amex Investor Card,
Really could'nt sleep.

I Really Wanted One More Card Before The Schwab/Amex Started Reporting.
So I apped for The FNBO Ducks Unlimited, and it went pending,
Does anyone have any input on weather to call in? or Just let it go through?
its I'm guessing Manual Review? I value your Input on what to do?
as I am not very Familiar with FNBO's Process.
Thanks to ALL

EDIT: I Called 1 (888) 295-5540, got a very nice lady in Customer Care,
I just asked, "since I don't quite know your process, do you need to Verify Anything?"
She Asked a few Basic Question's (Sounded Like Verification Of Me and where I Live)
She Said It "is pending", & "We Need A Little More Time and to call back in 24-48 Hours."

DP = They Hard Pulled EQ

View Application Status Application Pending
Date Application Received: 05/15/2019
Applicant Name: XXXX X TXXXXXXX
Current Status: Pending
First Bankcard is a leading credit card issuer with over 250 financial institutions, co-brand, and affinity partners nationwide.

Hang in there i just went through the process i pulled the trigger on 5/9 they didn't call until 5/13 be on the look out for a call from a 1800 number i would anwser all of those. If the UW has any concerns a bout your profile they will address it then. If that's ok check the link at end of day u should have a approval and limit. Good luck.

Re: FNBO - Ducks Unlimited - Pending

Anonymous — Thu, 16 May 2019 02:37:56 GMT

I applied for this a few weeks back too, and had the same thing - application went pending. I got a letter in the mail today saying "We regret that we are unable to process your reply to our offer of a credit card with First Bankcard. The offer was available for a limited time only and has expired." That's news to me, as there's no published expiry date that I can see on the website. I'm going to call them up tomorrow...

Re: FNBO - Ducks Unlimited - Pending

Anonymous — Thu, 16 May 2019 15:31:05 GMT

Apparently the link that I used was expired. I was told that the application wasn't even processed, so no pulls on credit. I've tried again, this time using the link from the Ducks Unlimited website, and the same thing happened... pending.

Re: FNBO - Ducks Unlimited - Pending

Anonymous — Fri, 17 May 2019 21:08:44 GMT

Good luck everyone, it is a great card to have!