topic Re: FNBO INCOME in Credit Card Applications

FNBO INCOME

britt585 — Tue, 04 Jan 2022 19:53:30 GMT

Just wanted to know if FNBO has a certain income they look for when approving ?

Re: FNBO INCOME

Trini88 — Tue, 04 Jan 2022 20:26:06 GMT

Not sure about what income they are looking for but I know when I applied and they wanted my w2s I made way less than I made in 2021. 2019 income was 1/3 of what I made due to having a baby and 2020 income was less than 2/3 of what I made due to furlough. Still got approved.

Re: FNBO INCOME

Who_wuda_thought — Tue, 04 Jan 2022 20:39:04 GMT

They do approve lower income individuals for accounts (me!) but I do have an impeccable (though younger) credit file. The FNBO Evergreen VISA may possibly be approved as a regular VISA acct with <$5k SL for lower income applicants, as opposed to the Evergreen VISA Signature.

ETA - I was instant approved, no income verification required.

Re: FNBO INCOME

Dp23 — Thu, 06 Jan 2022 00:46:24 GMT

@britt585 wrote:
Just wanted to know if FNBO has a certain income they look for when approving ?

I sent in check stubs instead of W2s & it was about 24k difference from what the check stubs shows vs what I put into get prequalified. I did work two additional jobs before starting this one so that's where the other 24k came from but they didn't ask any additional questions. I was instantly approved & the security hold was lifted after faxing requested documents.

Re: FNBO INCOME

britt585 — Thu, 06 Jan 2022 04:44:34 GMT

congrats.. so are you saying they will except pay stubs instead of w2's?.

Re: FNBO INCOME

BenTramer1978 — Thu, 06 Jan 2022 09:20:05 GMT

@britt585 wrote:
Just wanted to know if FNBO has a certain income they look for when approving ?

Well I can tell you that they will give you 5,600 at 30K.

Re: FNBO INCOME

AverageJoesCredit — Thu, 06 Jan 2022 12:40:53 GMT

@BenTramer1978 wrote:
@britt585 wrote:
Just wanted to know if FNBO has a certain income they look for when approving ?
Well I can tell you that they will give you 5,600 at 30K.

Is this what they gave you? Its hard to give someone absolutes in credit. Im not sure there is a specific amount related to income table that im aware of . If Op is interested in this card and has verifiable income, it might be worth a shot to go for it.

Re: FNBO INCOME

britt585 — Thu, 06 Jan 2022 13:41:53 GMT

thank you. did you send w2's or paystubs?. I didn't know they would except paystubs instead of w2's!

Re: FNBO INCOME

BenTramer1978 — Thu, 06 Jan 2022 19:38:56 GMT

@AverageJoesCredit wrote:
@BenTramer1978 wrote:
@britt585 wrote:
Just wanted to know if FNBO has a certain income they look for when approving ?
Well I can tell you that they will give you 5,600 at 30K.
Is this what they gave you? Its hard to give someone absolutes in credit. Im not sure there is a specific amount related to income table that im aware of . If Op is interested in this card and has verifiable income, it might be worth a shot to go for it.

Yes that is what they gave me and yes you are correct that it may not work out the same for op but they were looking for others personal experiences.

Re: FNBO INCOME

BenTramer1978 — Thu, 06 Jan 2022 19:40:29 GMT

@britt585 wrote:
thank you. did you send w2's or paystubs?. I didn't know they would except paystubs instead of w2's!

I didn't have to send anything, I was instantly approved. I think most do end up having to send their info in.

Re: FNBO INCOME

Remedios — Thu, 06 Jan 2022 20:24:27 GMT

@britt585 wrote:
congrats.. so are you saying they will except pay stubs instead of w2's?.

No.

Paystubs were used to explain discrepancy.

Put your exact income and there won't be anything to worry about regardless of which IV method is used.

Re: FNBO INCOME

Dp23 — Fri, 07 Jan 2022 05:42:32 GMT

@britt585 wrote:
congrats.. so are you saying they will except pay stubs instead of w2's?.

Sorry for the late reply & yes they will accept two most recent check stubs.

Re: FNBO INCOME

Dp23 — Fri, 07 Jan 2022 05:47:15 GMT

@Remedios wrote:
@britt585 wrote:
congrats.. so are you saying they will except pay stubs instead of w2's?.
No.
Paystubs were used to explain discrepancy.
Put your exact income and there won't be anything to worry about regardless of which IV method is used.

They will accept check stubs, I faxed them in 2 weeks ago. They said my new address couldn't be verified so I guess that's what they wanted to see. Didn't seem to matter because my stubs & license have my old address.

FNBO W2 QUESTION

britt585 — Tue, 18 Jan 2022 18:00:58 GMT

Hi so I applied for FNBO. they then asked for docs id ssn and w2's. I use Efile to file my taxes. My question is which W2 copy do i fax them. Just want to send the correct copy. thanks for input

Re: FNBO W2 QUESTION

dragontears — Tue, 18 Jan 2022 18:25:25 GMT

@britt585 wrote:
Hi so I applied for FNBO. they then asked for docs id ssn and w2's. I use Efile to file my taxes. My question is which W2 copy do i fax them. Just want to send the correct copy. thanks for input

I don't understand the question. W2s are provided by your employer and doesn't matter how you file taxes.

Did your employer give you multiple W2s? Or do you have multiple W2 jobs?

FNBO

britt585 — Wed, 19 Jan 2022 00:05:52 GMT

Just want to know how long does it take after faxing requested info in to FNBO to get an update on app status?

Re: FNBO

Remedios — Wed, 19 Jan 2022 01:06:39 GMT

@britt585 I've merged two additional threads created today regarding same application. Please do not cross-post, it's confusing.

Re: FNBO

britt585 — Wed, 19 Jan 2022 01:13:11 GMT

@Remedios My apologies. I was actually trying to figure out how to take down the post from earlier.

Re: FNBO

OmarGB9 — Wed, 19 Jan 2022 07:20:04 GMT

@britt585 wrote:
@Remedios My apologies. I was actually trying to figure out how to take down the post from earlier.

I don't believe there's a way for us normal users to delete a post, but a quick PM to a mod/administrator (not a community leader like me) can take care of it.

Re: FNBO

Dp23 — Wed, 19 Jan 2022 09:15:33 GMT

@britt585 wrote:
Just want to know how long does it take after faxing requested info in to FNBO to get an update on app status?

I got an update a day later