topic Re: FNBO EVERGREEN Visa in Credit Card Applications

FNBO EVERGREEN Visa

Creditplz — Sun, 09 May 2021 21:36:41 GMT

I prequalified for the FNBO Evergreen Visa and it came back with 21k SL & 21.XX APR..

applied and it gave me the "you should receive written status of your application in 2-4 weeks" message...

is this a denial? I have about 9 inq or 10 on experian this year.

Re: FNBO EVERGREEN Visa

Anonymous — Sun, 09 May 2021 21:44:18 GMT

FNBO is known to be inquiry sensitive so it's a possibility.

That is also one of the highest prequal offers I have seen, most of them have been $15K and under, so who knows?

Re: FNBO EVERGREEN Visa

FinStar — Sun, 09 May 2021 21:46:52 GMT

Based on the data points reported on the FNBO pre-qualification thread, it appears there's mixed results. Some have been approved, some have been denied regardless of what the pre-qualification portal indicates.

You can periodically check their online application status portal to view the progress.

Re: FNBO EVERGREEN Visa

spiritcraft1 — Sun, 09 May 2021 22:33:42 GMT

@Creditplz wrote:
I prequalified for the FNBO Evergreen Visa and it came back with 21k SL & 21.XX APR..

applied and it gave me the "you should receive written status of your application in 2-4 weeks" message...

is this a denial? I have about 9 inq or 10 on experian this year.

What is your EX score? Many have been approved after that message, some denied and then some are still in limbo...

Re: FNBO EVERGREEN Visa

Creditplz — Sun, 09 May 2021 23:45:39 GMT

Experian Fico8 is 802,

I just got a email from them to check my status and is says "STATUS: PENDING"

If it gets denied it will switch to denied on the status line right??.

Re: FNBO EVERGREEN Visa

alessandrom — Mon, 10 May 2021 02:08:55 GMT

I also applied after being pre approved at 6300 SL 21%APR. I also got the pending message and a few hours later it was approved. Experian Fico 724 at the time with 2 inquiries in the last 12 months. Good luck let us know when you get a decision.

Re: FNBO EVERGREEN Visa

Shooting-For-800 — Mon, 10 May 2021 02:42:53 GMT

I applied at night and was approved the next morning.

$15k was the highest I had seen previously.

GL!

Re: FNBO EVERGREEN Visa

FinStar — Mon, 10 May 2021 05:29:17 GMT

@Creditplz wrote:
Experian Fico8 is 802,

I just got a email from them to check my status and is says "STATUS: PENDING"

If it gets denied it will switch to denied on the status line right??.

Correct.

Re: FNBO EVERGREEN Visa

Anonymous — Mon, 10 May 2021 20:58:17 GMT

I applied on 5/7/21 got that same message and still pending. Hoping for an approval. Will update you.

Re: FNBO EVERGREEN Visa

Anonymous — Tue, 11 May 2021 15:39:30 GMT

Following along!

Currently gardening but when I saw a prequal for $15k it was hard to not accept. Hopefully Chase will be as generous in the Fall/Winter.

Re: FNBO EVERGREEN Visa

Anonymous — Tue, 11 May 2021 16:34:06 GMT

I'm hoping to get the full $14K that was in my pre-approval. Should know by tomorrow it's with the UW. Wish me luck!

Re: FNBO EVERGREEN Visa

M_Smart007 — Tue, 11 May 2021 19:16:58 GMT

@Anonymous wrote:
I'm hoping to get the full $14K that was in my pre-approval. Should know by tomorrow it's with the UW. Wish me luck!

Re: FNBO EVERGREEN Visa

Fated4Credit — Wed, 12 May 2021 02:04:11 GMT

@Creditplz: Good luck hope it comes out in your favor I tried the pre-qual earlier got 5k @ over 22% APR. Didn't seem worth it for me to step out the garden

Re: FNBO EVERGREEN Visa

Creditplz — Wed, 12 May 2021 23:09:22 GMT

Update: DECLINED.

did not call recon, not sure it's worth the shot.

Re: FNBO EVERGREEN Visa

FinStar — Thu, 13 May 2021 02:32:38 GMT

@Creditplz wrote:
Update: DECLINED.

did not call recon, not sure it's worth the shot.

If it's due to credit-related reasons (i.e. not verification) typically the decision stands, unfortunately. I could be wrong, but IIRC, there haven't been any recent or reported successful reconsiderations with FNBO.