topic FNBO in Credit Card Applications

FNBO

britt585 — Tue, 21 Dec 2021 23:41:25 GMT

Hi community. Havent posted in a while. I used the FNBO prequailfy tool and they came back with two offers both $15,000... I couldn'y believe my eyes. So I pulled the trigger and it comes back with 7-10 message.. omg.. So I called and rep says wait for letter will expalin next steps.. I've been looking on myfico to see what this means. Praying for an approval. Anyone else have this experience?

Re: FNBO

Junejer — Wed, 22 Dec 2021 00:06:33 GMT

Yes, that seems to be par for the course with FNBO. I got the same notification when I applied and two days later got the approval. Freaked me out as well, because I've only ever received instant approval or denial for credit cards.

Re: FNBO

M_Smart007 — Wed, 22 Dec 2021 00:08:19 GMT

Hi @britt585 ,

Both of my personal card approvals were not instant, they went to "manual review" .. only my Bus. application was "Instant approval"

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/FNBO-Visa-Siggy-15-000-Approval/m-p/6418900#M775936

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/FNBO-Visa-Signature-15-000-00-amp-U-S-Bank-Altitude-Go-Approved/m-p/6274094

Re: FNBO

M_Smart007 — Wed, 22 Dec 2021 00:42:59 GMT

@britt585,

You can also check application status here;

https://www.fnbo.com/ConsumerWeb/default/cardservices/application-status/show-form

Re: FNBO

britt585 — Wed, 22 Dec 2021 01:31:19 GMT

Thanks so much for the replies. I checked the status still says pending. ugh the waiting is killing me

Re: FNBO

Trini88 — Wed, 22 Dec 2021 02:27:44 GMT

I applied last month. Went pending. Had to provide POI and verify identity.

Re: FNBO

britt585 — Wed, 22 Dec 2021 02:30:50 GMT

What did send in?

Re: FNBO

Trini88 — Wed, 22 Dec 2021 03:17:18 GMT

Social Security signed, ID card and 2 of my last w2s. I called and got a fax number because I wasn't sending my info through the mail. Approved I believe a day or 2 after sending fax, don't remember but it was quick. (The fax part was quick, waiting for the letter took a few days).

Re: FNBO

Guyatthebeach — Sun, 26 Dec 2021 03:04:01 GMT

Britt585,

Sorry you got the dreaded 7-10 day message. Get a response yet?

Guyatthebeach

Re: FNBO

britt585 — Sun, 26 Dec 2021 03:11:45 GMT

Not yet...still waiting..app status still says pending...ugh

Re: FNBO

Guyatthebeach — Sun, 26 Dec 2021 03:15:55 GMT

Britt585,

Hang in there! Fingers crossed for an approval!

Guyatthebeach

Re: FNBO

britt585 — Sun, 26 Dec 2021 03:19:06 GMT

thanks..fingers and toes crossed.lol

Re: FNBO

Dp23 — Mon, 27 Dec 2021 13:46:19 GMT

I did get the instant approval for $6300 but for the 2nd time they said they couldn't verify my address. I just been here two months now so now I have to send it ID, Soc & last two paystubs. Not a problem at all but what if all of this have my old address? I have utility bills & lease for the new address.

Re: FNBO..update 12/27

britt585 — Mon, 27 Dec 2021 20:14:06 GMT

Update I finally received letter in the mail. they are requesting ID SSN AND last 2 (w2's)... lets see how this plays out...does anyone know if thry except fax copies the letter says return back in the self addressed envelope..ugh

Re: FNBO..update 12/27

Dp23 — Mon, 27 Dec 2021 20:23:00 GMT

@britt585 wrote:
Update I finally received letter in the mail. they are requesting ID SSN AND last 2 (w2's)... lets see how this plays out...does anyone know if thry except fax copies the letter says return back in the self addressed envelope..ugh

They do accept fax documents. My issue is having them notarized as nobody does it in my state.

Re: FNBO..update 12/27

britt585 — Mon, 27 Dec 2021 20:30:05 GMT

thanks . In the lettter they didnt ask for the documents to be nortarized. guess i'll just send in regular mail.

Re: FNBO..update 12/27

Trini88 — Mon, 27 Dec 2021 20:46:42 GMT

@britt585 wrote:
Update I finally received letter in the mail. they are requesting ID SSN AND last 2 (w2's)... lets see how this plays out...does anyone know if thry except fax copies the letter says return back in the self addressed envelope..ugh

I faxed mine

Re: FNBO..update 12/27

Trini88 — Mon, 27 Dec 2021 20:47:38 GMT

@Dp23 wrote:
@britt585 wrote:
Update I finally received letter in the mail. they are requesting ID SSN AND last 2 (w2's)... lets see how this plays out...does anyone know if thry except fax copies the letter says return back in the self addressed envelope..ugh
They do accept fax documents. My issue is having them notarized as nobody does it in my state.

Mine wasn't notarized

Re: FNBO..update 12/27

Trini88 — Mon, 27 Dec 2021 20:48:58 GMT

@britt585 wrote:
thanks . In the lettter they didnt ask for the documents to be nortarized. guess i'll just send in regular mail.

I got my acceptance less than 2 days after faxing info over. Better than snail mail.

Re: FNBO..update 12/27

Dp23 — Mon, 27 Dec 2021 21:16:20 GMT

@britt585 wrote:
thanks . In the lettter they didnt ask for the documents to be nortarized. guess i'll just send in regular mail.

What does your letter say because mine say my account was denied however I spoke to someone who I successfully confirmed the info to saying additional documents were needed & must be faxed. I did find someone to do it although it cost $50. Hopefully I get an approval soon.