topic Re: FNBO Business Rewards Approval in Business Credit

FNBO Business Rewards Approval

chris288 — Wed, 09 May 2018 15:14:05 GMT

I do not have a banking relationship with FNBO nor a prior credit card with them, but really excited after reading about them on this forum and went in and applied. Took less than 24hours for approval, SL is 17,400.

I think I am really going to love FNBO. Might apply for another one of their business cards at the end of the year. My understanding they do not report to personal, not sure if they report to the business bureau's or not.

Just wanted to share for anyone who is interested in them.

Thanks,

Re: FNBO Business Rewards Approval

credit_endurance — Wed, 09 May 2018 19:02:20 GMT

Congratulations on the approval! I Could you share some data points: Scores, Utilization, inquires as such? And did you have to contact a branch to apply? Reason I ask is because I no longer see a link to apply online.

Re: FNBO Business Rewards Approval

chris288 — Wed, 09 May 2018 19:17:40 GMT

Sure thing.. not sure what they pulled but I think Experian for me which is good because it's my highest score at 746. Trans is 732, Equifax is 723.
Utilization is 25% and I had 9 inquiries, but 6 were 1.5 years old. I did PG.

No way to apply online either. I looked forever. Called a branch location, she put me in touch with head of business banking at that branch and applied online. Checked back this morning and approved with CL and 7-10 day message to get the card by mail. Pretty easy overall.

I only applied for one card as it's my understanding each card u apply for is another pull. Anything I can help with please ask.

Thanks

Re: FNBO Business Rewards Approval

chris288 — Wed, 09 May 2018 19:18:40 GMT

Correction in my above statement I said applied online, meant applied over the phone.

Re: FNBO Business Rewards Approval

Anonymous — Wed, 09 May 2018 19:26:44 GMT

Congrats!

EIN or SSN? Sole proprietorship or corporation?

Re: FNBO Business Rewards Approval

credit_endurance — Wed, 09 May 2018 19:29:29 GMT

Thanks Chris288 for the swift reply and info. We on the forums tend to be data junkies 😀 so thanks again for sharing. I might give them a call as I do have another card and relationship with them. By the way awesome SL as they tend to be very conservative.

Re: FNBO Business Rewards Approval

chris288 — Wed, 09 May 2018 20:50:40 GMT

I used my EIN and my SSN to PG the card. I have a 3.5 year old LLC.

I posted hoping it would help someone if they are looking for business credit. That is what helped me looking on these forums and found FNBO. I am pretty stoked!! U should certainly apply if you already have a relationship with them.