topic Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification in Business Credit

FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

trvlscmmr — Sat, 23 Oct 2021 01:06:16 GMT

I've been interested in Business cards lately so I scoped out the FNBO pre-qualifier which said I was good for $13.9K, I went ahead & app'ed...

Instant approval for $13.9K... EX FICO 8 was 690ish, not sure what the FICO Bankcard 09 score was

***FNBO denied me for the Personal version of this card March '21 after they sent me a personal invite.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

trvlscmmr — Fri, 22 Oct 2021 20:32:46 GMT

sorry the approval photo is sideways... I tried to fix it to no avail

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

Rebuild2019 — Fri, 22 Oct 2021 20:34:10 GMT

Congratulations 🎉🎈🎊 on your approval.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

JL276 — Fri, 22 Oct 2021 20:37:18 GMT

congrats! Just picked this one up myself.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

BearsCubsOtters — Sun, 24 Oct 2021 13:22:39 GMT

Congrats @trvlscmmr

Instant approval no less! Most people it seems have to send in a bunch of documentation. I want this card but I wish they were a TU or EQ puller....

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

trvlscmmr — Sun, 24 Oct 2021 14:32:22 GMT

@BearsCubsOtters wrote:
Congrats @trvlscmmr

Instant approval no less! Most people it seems have to send in a bunch of documentation. I want this card but I wish they were a TU or EQ puller....

yes I didn't want to send tax documents so quite relieved to dodge that process.

***I have held business cards for nearly 3 years & my business has been registered for 3 years. Maybe having an established business file older than 1 year or so helps. Also my utilization is currently under 10%.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

webrobby — Sun, 24 Oct 2021 15:37:43 GMT

I'm kind of following this card - kind of not. I know some people get denied after pre-qual but is there a hard pull on your personal credit for applying for it?

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

trvlscmmr — Sun, 24 Oct 2021 15:42:27 GMT

@webrobby wrote:
I'm kind of following this card - kind of not. I know some people get denied after pre-qual but is there a hard pull on your personal credit for applying for it?

yes FNBO pulled my personal Experian file...

I pre-qualified for the personal version of this card March 2021, was pre-approved but officially denied about a week after applying.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

cashorcharge — Sun, 24 Oct 2021 15:48:27 GMT

That’s terrific! Congratulations on your FNBO business approval!! 👏🏼🎉🍾

Thanks for the application process DP's

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

Anonymous — Tue, 16 Nov 2021 11:47:01 GMT

Thanks for the date points. I'm a little worried about getting denied accompanied with a hard pull. I've been in business 5+ yrs. I don't want to raise and red flags to have them ask for documentation. I've lowered my income on applications for that reason. You think that's something I should do here? How much was your stated annual income if you don't mind me asking.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

rostrow416 — Tue, 16 Nov 2021 13:56:48 GMT

Congrats on the approval!

I didn't know that there was a prequalifier for the business card, something interesting to check out.

Re: FNBO Evergreen Business Visa $13.9k Instant Approval/Exact Pre-qualification

YungGouda — Tue, 16 Nov 2021 23:41:26 GMT

Congrats on the approval!

I just got approved for it as well today after getting the 2-4 wks message at app time.