topic Re: FNBO Pre Qualification in Credit Card Applications

FNBO Pre Qualification

Larrypatty — Wed, 16 Jun 2021 01:00:18 GMT

I got pre-approved for a 7k limit, then got the under review/pending. I have 7 new accounts and 9 inquiries the past 12 months. How does that sneak by a soft pull/pre approval? I'm pretty sure I won't get approved during a manual review?

Re: FNBO Pre Qualification

FinStar — Wed, 16 Jun 2021 01:11:40 GMT

As has been mentioned in the FNBO DP thread, the tool is not a pre-approval, but rather a pre-qualification portal. A variety of members have posted that it is not reliable since denials have been reported despite the pre-qualification results. So, YEMV. The tool is likely obtaining some pre-determined top criteria for the pre-qualification to yield the results, but until a HP is done (combined with FNBO's internal AI) then that's when the actual results can be confirmed.

I would just wait and see how it pans out for you. You can check the progress via their online status tool btw.

Re: FNBO Pre Qualification

gingerflower — Wed, 16 Jun 2021 02:28:08 GMT

I would wait for an email for your results.

Re: FNBO Pre Qualification

Anonymous — Wed, 16 Jun 2021 02:50:56 GMT

@Larrypatty

I would call FNBO they may need to verify your address which was the case with some. After they verify your address then possible approval. I'm keeping my fingers crossed 🤞 for your approval email to come!!!😀

Re: FNBO Pre Qualification

Larrypatty — Wed, 16 Jun 2021 21:21:25 GMT

Got the approval email just now. 7k limit 22%. They pulled experian. 12 inquiries in the past 12 months. 8 new revolvers in the past 12 months. 712 experian score. no negs, 2%ult.

I need to stop this so I can actually get great cards in the near future. not a fan of gardening. lol.

Re: FNBO Pre Qualification

Loquat — Wed, 16 Jun 2021 22:12:50 GMT

@Larrypatty wrote:
Got the approval email just now. 7k limit 22%. They pulled experian. 12 inquiries in the past 12 months. 8 new revolvers in the past 12 months. 712 experian score. no negs, 2%ult.

I need to stop this so I can actually get great cards in the near future. not a fan of gardening. lol.

Congrats on the approval @Larrypatty. Feel free to share your good news in the Approvals section if you'd like.