topic Re: EvergreenSM by FNBO | Business Edition in Business Credit

EvergreenSM by FNBO | Business Edition

bizcredit11 — Thu, 20 May 2021 01:58:34 GMT

This business card is now available. 2% cashback on every purchase. That's pretty decent.

Has anyone applied and been approved? The personal card apr is 3% higher than the business card. (18.24 compared to 15.24). Plus the biz card doesn't show on your personal credit.

I was pre-approved for the personal at the lowest apr and highest credit limit, but it just doesn't make sense to apply on the personal when you have a business and can keep it off your personal reports. Also, 0% introductory offer for the first 12 months.

Check it out and let me know if you have any experience with FNBO on the business side.

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Thu, 20 May 2021 15:23:08 GMT

Congrats. The DW has the pre Evergreen 2% black card. It is excellent, faithfully reports to at least EX and D&B and not personal. She was granted a HP increase from $10k to 25k after 6 months. It racks up the Cashback for us! The card is excellent.

Re: EvergreenSM by FNBO | Business Edition

bizcredit11 — Thu, 20 May 2021 19:21:41 GMT

Thanks! @spiritcraft1 your info is very helpful. What kind of relationship did your DW have with FNBO before getting the Evergreen 2% card?

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Thu, 20 May 2021 20:07:58 GMT

@bizcredit11 wrote:
Thanks! @spiritcraft1 your info is very helpful. What kind of relationship did your DW have with FNBO before getting the Evergreen 2% card?

bizcredit11

She started with a FNBO personal secured card in 2018 I think at a 600 EX Bankcard 09... that unsecured at 11 months as promised are she received an auto CLI. That card gets no use. No business accounts at all.

Her 2% Business Card took a few days to approve, no POI, noc docs. She was low 700's at the time of approval with a couple derogs and she got the CLI at a 800+ EX Bankcard 09. The CLI took a couple hours I think.

Re: EvergreenSM by FNBO | Business Edition

bizcredit11 — Fri, 21 May 2021 20:40:21 GMT

Thanks again! @spiritcraft1 Just goes to show you the importance of building a relationship.

That's a lot of solid information/data for anyone considering FNBO or their credit cards.

Hopefully more are able to apply and get approved. California is now eligible.

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Fri, 21 May 2021 22:11:03 GMT

@bizcredit11 wrote:
Thanks again! @spiritcraft1 Just goes to show you the importance of building a relationship.

That's a lot of solid information/data for anyone considering FNBO or their credit cards.

Hopefully more are able to apply and get approved. California is now eligible.

bizcredit11

Thanks, I try to give DP's for everything. That FNBO secured card sure worked out. I have to get her to call in and try and PC her personal platinum to a Evergreen now.

Re: EvergreenSM by FNBO | Business Edition

M_Smart007 — Sat, 22 May 2021 14:47:21 GMT

@spiritcraft1 wrote:
Congrats. The DW has the pre Evergreen 2% black card. It is excellent, faithfully reports to at least EX and D&B and not personal. She was granted a HP increase from $10k to 25k after 6 months. It racks up the Cashback for us! The card is excellent.

@spiritcraft1, "$10k to 25k after 6 months" That is a heck of a CLI

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Sat, 22 May 2021 14:55:59 GMT

@M_Smart007 wrote:
@spiritcraft1 wrote:
Congrats. The DW has the pre Evergreen 2% black card. It is excellent, faithfully reports to at least EX and D&B and not personal. She was granted a HP increase from $10k to 25k after 6 months. It racks up the Cashback for us! The card is excellent.
@spiritcraft1, "$10k to 25k after 6 months" That is a heck of a CLI

I know. In the meantime, her EX had become clean and it was a HP. I actually requested $25k online and they said, "sounds good, here you go". I have zero complaints. That 2% FNBO Business Card can be used for anything, has no caps, no AF etc.. It is just excellent.

Plus, you can just transfer CashBack to your personal checking account. No Statement credit Jive.

Re: EvergreenSM by FNBO | Business Edition

babygirl1256 — Tue, 25 May 2021 04:43:56 GMT

@M_Smart007 Yes indeed . . . I'd certainly take that CLI in a heart beat!!!

@bizcredit11 . . . congrats!

Re: EvergreenSM by FNBO | Business Edition

jaxstraw — Tue, 25 May 2021 07:18:56 GMT

@bizcredit11 wrote:
This business card is now available. 2% cashback on every purchase. That's pretty decent.

Has anyone applied and been approved? The personal card apr is 3% higher than the business card. (18.24 compared to 15.24). Plus the biz card doesn't show on your personal credit.

I was pre-approved for the personal at the lowest apr and highest credit limit, but it just doesn't make sense to apply on the personal when you have a business and can keep it off your personal reports. Also, 0% introductory offer for the first 12 months.

Check it out and let me know if you have any experience with FNBO on the business side.

bizcredit11

I just applied and was instantly approved for $7100.

Received notice of a personal EX pull immediately after. ( My lowest score of 751 and well over 20+ inquiries and no derogs at all.....I believe that the inquiries didn't help initial credit line)

I have always been geo fenced out of all FBNO cards but this didn't do that.

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Tue, 25 May 2021 11:47:54 GMT

@jaxstraw wrote:
@bizcredit11 wrote:
This business card is now available. 2% cashback on every purchase. That's pretty decent.

Has anyone applied and been approved? The personal card apr is 3% higher than the business card. (18.24 compared to 15.24). Plus the biz card doesn't show on your personal credit.

I was pre-approved for the personal at the lowest apr and highest credit limit, but it just doesn't make sense to apply on the personal when you have a business and can keep it off your personal reports. Also, 0% introductory offer for the first 12 months.

Check it out and let me know if you have any experience with FNBO on the business side.

bizcredit11
I just applied and was instantly approved for $7100.
Received notice of a personal EX pull immediately after. ( My lowest score of 751 and well over 20+ inquiries and no derogs at all.....I believe that the inquiries didn't help initial credit line)
I have always been geo fenced out of all FBNO cards but this didn't do that.

That's excellent. This is a very good card. The CB is like an added income source since you can transfer it to a personal CK account. Since the DW has had this CC, we have "earned" $900.00 in CB. Small price of a EX hardpull to get unlimited 2% CB.

The CL will grow.

Thanks for the DP's!

Re: EvergreenSM by FNBO | Business Edition

GApeachy — Tue, 25 May 2021 12:30:43 GMT

@spiritcraft1 wrote:
Plus, you can just transfer CashBack to your personal checking account. No Statement credit Jive.

@spiritcraft1 Interesting...ty for all of the info. Now I want this card. @bizcredit11 are you contemplating an app in the near distant future?

Re: EvergreenSM by FNBO | Business Edition

GApeachy — Tue, 25 May 2021 12:33:58 GMT

@jaxstraw wrote:
@bizcredit11 wrote:
This business card is now available. 2% cashback on every purchase. That's pretty decent.

Has anyone applied and been approved? The personal card apr is 3% higher than the business card. (18.24 compared to 15.24). Plus the biz card doesn't show on your personal credit.

I was pre-approved for the personal at the lowest apr and highest credit limit, but it just doesn't make sense to apply on the personal when you have a business and can keep it off your personal reports. Also, 0% introductory offer for the first 12 months.

Check it out and let me know if you have any experience with FNBO on the business side.

bizcredit11
I just applied and was instantly approved for $7100.
Received notice of a personal EX pull immediately after. ( My lowest score of 751 and well over 20+ inquiries and no derogs at all.....I believe that the inquiries didn't help initial credit line)
I have always been geo fenced out of all FBNO cards but this didn't do that.

Congrats! @jaxstraw How long have you been in business?

Re: EvergreenSM by FNBO | Business Edition

jaxstraw — Tue, 25 May 2021 13:52:00 GMT

@GApeachy wrote:
@jaxstraw wrote:
@bizcredit11 wrote:
This business card is now available. 2% cashback on every purchase. That's pretty decent.

Has anyone applied and been approved? The personal card apr is 3% higher than the business card. (18.24 compared to 15.24). Plus the biz card doesn't show on your personal credit.

I was pre-approved for the personal at the lowest apr and highest credit limit, but it just doesn't make sense to apply on the personal when you have a business and can keep it off your personal reports. Also, 0% introductory offer for the first 12 months.

Check it out and let me know if you have any experience with FNBO on the business side.

bizcredit11
I just applied and was instantly approved for $7100.
Received notice of a personal EX pull immediately after. ( My lowest score of 751 and well over 20+ inquiries and no derogs at all.....I believe that the inquiries didn't help initial credit line)
I have always been geo fenced out of all FBNO cards but this didn't do that.
Congrats! @jaxstraw How long have you been in business?

2008

Re: EvergreenSM by FNBO | Business Edition

spiritcraft1 — Tue, 25 May 2021 16:28:38 GMT

Just so everyone knows... this Card Reports faithfully to EX Biz and D&B (don't know about EQ as we have a FUBAR / split file)

It does NOT report to personal.

Re: EvergreenSM by FNBO | Business Edition

bizcredit11 — Wed, 26 May 2021 22:24:29 GMT

Congrats! @jaxstraw

Yes, it's great to actually be able to get into FNBO. Is 20+ Experian inquiries over the last 24 months or lifetime? If 24 months $7100 is a very respectable opening CL. If lifetime...who cares!

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

bizcredit11 — Wed, 26 May 2021 22:26:51 GMT

@GApeachy Right! Who wouldn't want this biz card.

Definitely on my list of soon to be applications.

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

jaxstraw — Wed, 26 May 2021 23:21:35 GMT

@bizcredit11 wrote:
Congrats! @jaxstraw

Yes, it's great to actually be able to get into FNBO. Is 20+ Experian inquiries over the last 24 months or lifetime? If 24 months $7100 is a very respectable opening CL. If lifetime...who cares!

bizcredit11

Unfortunately the 20+ is over the last 24 months. Many will be dropping off in the coming months but EX is by far the most used CRA when seeking any type of credit.....

I'm completely satisfied with a $7100 SCL.

I'll put some heavy spend on it and in 6 months look for an increase.

Re: EvergreenSM by FNBO | Business Edition

bizcredit11 — Thu, 27 May 2021 01:36:58 GMT

@jaxstraw For a bank that leans toward being inquiry sensitive...that is amazing!

Way to test the limits and succeed!

bizcredit11

Re: EvergreenSM by FNBO | Business Edition

Anonymous — Fri, 28 May 2021 09:56:19 GMT

Whoops I applied and my ex was locked I don't know if you can unlock and recon or not