topic Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval in Business Credit

FNBO Signature Bus. VISA Card $15,000.00 ** Approval

M_Smart007 — Thu, 02 Dec 2021 04:12:21 GMT

FNBO Signature Bus. VISA Card $15,000.00 ** Instant Approval

No documents required!

Experian "HP" FICO Bankcard 9 =792

DP's

(2) Personal FNBO CC's $35K total

37/24 Inqs. (three drop off this Saturday)

16/12 Scoreable Inqs.

8/12 New persoanl accounts

73 Accounts Reporting

4 CC's with balances

1 PL = $25 for Open Installment mix.

CC Debt reporting = $4,133

0% Aggregate Utilization

No Mortgage (Nothing on CR)

No open Auto Loans ( 5 = Older Paid in full)

No BK's, CO's Baddies, Lates or Repo's.

(click image to enlarge)(click image to enlarge)

(click image to enlarge)(click image to enlarge)

Tagging @cashorcharge !

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

cashorcharge — Thu, 02 Dec 2021 04:42:46 GMT

Look who's the instigator now?😀

This is awesome! WooHoo!!!

Congratulations @M_Smart007

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

Five6Two — Thu, 02 Dec 2021 05:36:17 GMT

@M_Smart007 wrote:

FNBO Signature Bus. VISA Card $15,000.00 ** Instant Approval

37/24 Inqs. (three drop off this Saturday)
16/12 Scoreable Inqs.

LOL, this is what gets me. I love it, we are all having a hard time keeping up with you @M_Smart007 , slow down! And don't worry @cashorcharge, I blame you in a good way. You guys are tempting to apply for this before I even intend to seeing all these approvals!

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

Alephbet — Thu, 02 Dec 2021 05:38:56 GMT

Wow! Congratulations on your approval! That is a lot of inquiries!

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

sugarcreek67 — Thu, 02 Dec 2021 15:34:41 GMT

Congrats on your FNBO approval

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

Anonymous — Thu, 02 Dec 2021 15:38:38 GMT

@M_Smart007

On the "Seventh Day" he rested

Almost forgot ... you are going to have to pack and transport all these cards soon?! Also, changing all the addresses will require a job

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

4sallypat — Thu, 02 Dec 2021 15:59:01 GMT

Glad to see you are following our lead!

Congrats !

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

ChargedUp — Wed, 08 Dec 2021 04:54:07 GMT

Congrats 007!

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

YungGouda — Thu, 09 Dec 2021 05:08:48 GMT

Congrats on your approval. Welcome to the family!

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

M_Smart007 — Sat, 11 Dec 2021 20:01:55 GMT

FNBO Bus. VISA arrived on 12-10-2021

Had to set up separate portal for log-In .. (cannot link to personal FNBO portal)

Used the card several times already, no declines

(click image to enlarge)

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

sparklesdust — Sat, 11 Dec 2021 21:21:12 GMT

Wow! Congrats!!

Do you have a personal or business bank account with FNBO or was there literally zero documentation required?

I only have 1 business card I recently had the courage to apply for this past summer and it was BOA, got approved immediately for 8.5k but I've been considering another one... I might try this one if it's that easy.

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

M_Smart007 — Sun, 12 Dec 2021 01:10:29 GMT

@sparklesdust wrote:
Wow! Congrats!!

Do you have a personal or business bank account with FNBO or was there literally zero documentation required?

I only have 1 business card I recently had the courage to apply for this past summer and it was BOA, got approved immediately for 8.5k but I've been considering another one... I might try this one if it's that easy.

Hi @sparklesdust , No business accounts or personal checking / savings

Just (2) personal credit cards one a little over 6 months .. second one Approved 10-5-21

You can check "SP" Pre-Qualify here: https://www.fnbo.com/small-business/credit-cards/evergreen/

Pre-Qualify is not 100% guaranteed, but at least it can give you some idea.

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

cashorcharge — Sat, 18 Dec 2021 01:18:11 GMT

Well, "instigator" (wink wink) I tried my hand at this too and wasn't successful either. Complete the prequal with EX unlock and also received $15K so I decided to proceed as I had run the prequal a few weeks back on the personal, also got $15K but didn't proceed.

After the HP, I did not get an approval but instead the dreaded message. They have asked for proof of address...easy enough...though they also asked for business bank account statements and therein lies my issue. I have not set up a business bank account, the side income was not high enough that I ever felt it warranted it's own account so while I can provide personal bank statements...or even statements from another account I hold that is used as a placeholder versus actively used, I'm wondering if it will get approved. While my personal side is strong (score, income etc) the business side is not. Debating calling them and talking through it or submitting docs that aren't exactly what they asked for to see where it goes. I hate the thought of wasting a HP but....we'll see.

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

BearsCubsOtters — Sat, 18 Dec 2021 02:29:23 GMT

@cashorcharge wrote:
Well, "instigator" (wink wink) I tried my hand at this too and wasn't successful either. Complete the prequal with EX unlock and also received $15K so I decided to proceed as I had run the prequal a few weeks back on the personal, also got $15K but didn't proceed.

After the HP, I did not get an approval but instead the dreaded message. They have asked for proof of address...easy enough...though they also asked for business bank account statements and therein lies my issue. I have not set up a business bank account, the side income was not high enough that I ever felt it warranted it's own account so while I can provide personal bank statements...or even statements from another account I hold that is used as a placeholder versus actively used, I'm wondering if it will get approved. While my personal side is strong (score, income etc) the business side is not. Debating calling them and talking through it or submitting docs that aren't exactly what they asked for to see where it goes. I hate the thought of wasting a HP but....we'll see.

See....I was getting ready to apply after the recent wave of instant approvals. What has happened to you is my fear and I do not want to waste an EX inquiry.

I am sick of EX pullers...

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

Junejer — Mon, 20 Dec 2021 22:48:30 GMT

Congrats @M_Smart007. How old were your personal FNBO cards?

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

M_Smart007 — Tue, 21 Dec 2021 00:15:39 GMT

@Junejer wrote:
Congrats @M_Smart007. How old were your personal FNBO cards?

@Junejer, Thank you!

Two months and eight months. No other relationship.

Re: FNBO Signature Bus. VISA Card $15,000.00 ** Approval

Junejer — Tue, 21 Dec 2021 00:45:14 GMT

@M_Smart007 wrote:
@Junejer wrote:
Congrats @M_Smart007. How old were your personal FNBO cards?
@Junejer, Thank you!
Two months and eight months. No other relationship.

Thanks. That's good intel. If I don't have a positive result from my CIU app, then I will go for that one.