topic Re: FNBO Business Card in Business Credit

FNBO Business Card

C6 — Wed, 22 Dec 2021 01:28:41 GMT

I applied for the business card 2 days ago and received the same message. The pre-approval offered me $15k. EX FICO score at time of app was 726. My utilisation is well under 1%. I'm hoping that upon manual reviw it will be approved. My status is pending.

Re: FNBO Business Card

M_Smart007 — Wed, 22 Dec 2021 01:49:28 GMT

Fingers crossed, may the odds be ever in your favor!

Please keep us posted.

Re: FNBO Business Card

RealEstateGuy89 — Wed, 22 Dec 2021 07:03:19 GMT

@C6 wrote:
I applied for the business card 2 days ago and received the same message. The pre-approval offered me $15k. EX FICO score at time of app was 726. My utilisation is well under 1%. I'm hoping that upon manual reviw it will be approved. My status is pending.

Those DP's that you gave were very similiar to mine at the time I applied for the business Evergreen card and I had to wait a little bit. An underwriter contacted me and asked me for some easy info and I answered him back via secured e-mail and I was approved in a few hours after that. Good luck, I hope you get it and find out soon! Let us know how it went.

Re: FNBO Business Card

LP007 — Thu, 23 Dec 2021 11:27:46 GMT

@RealEstateGuy89 wrote:
@C6 wrote:
I applied for the business card 2 days ago and received the same message. The pre-approval offered me $15k. EX FICO score at time of app was 726. My utilisation is well under 1%. I'm hoping that upon manual reviw it will be approved. My status is pending.
Those DP's that you gave were very similiar to mine at the time I applied for the business Evergreen card and I had to wait a little bit. An underwriter contacted me and asked me for some easy info and I answered him back via secured e-mail and I was approved in a few hours after that. Good luck, I hope you get it and find out soon! Let us know how it went.

Easy? Pray tell. I heard they ask for docs/statements.

Re: FNBO Business Card

RealEstateGuy89 — Sun, 26 Dec 2021 07:54:31 GMT

@LP007 wrote:
@RealEstateGuy89 wrote:
@C6 wrote:
I applied for the business card 2 days ago and received the same message. The pre-approval offered me $15k. EX FICO score at time of app was 726. My utilisation is well under 1%. I'm hoping that upon manual reviw it will be approved. My status is pending.
Those DP's that you gave were very similiar to mine at the time I applied for the business Evergreen card and I had to wait a little bit. An underwriter contacted me and asked me for some easy info and I answered him back via secured e-mail and I was approved in a few hours after that. Good luck, I hope you get it and find out soon! Let us know how it went.
Easy? Pray tell. I heard they ask for docs/statements.

Well, I was speaking from my experience and some of those that I have read about. I realize that maybe not everyone is so lucky but I don't believe that FNBO's approval process is anywhere near as rigorous as some others.

In my situation, the underwriter asked me about my recent corporation name change and asked me to scan and send him the corporate amendment that I filed with the state. I sent it to him and He emailed me back to let me know that I was approved a hour later.

For the personal Evergreen, all I had to send them was my W2 forms and the W2 forms I sent in were only for part of my employment income. I didn't send in any income proof for my business and they were fine with it.

Neither time took me longer than ten minutes, so yes, it was easy. I've never heard of them asking for statements but I suppose it could happen especially with a shaky or murky profile.

Re: FNBO Business Card

LP007 — Mon, 27 Dec 2021 07:49:00 GMT

@RealEstateGuy89 wrote:
@LP007 wrote:
@RealEstateGuy89 wrote:
@C6 wrote:
I applied for the business card 2 days ago and received the same message. The pre-approval offered me $15k. EX FICO score at time of app was 726. My utilisation is well under 1%. I'm hoping that upon manual reviw it will be approved. My status is pending.
Those DP's that you gave were very similiar to mine at the time I applied for the business Evergreen card and I had to wait a little bit. An underwriter contacted me and asked me for some easy info and I answered him back via secured e-mail and I was approved in a few hours after that. Good luck, I hope you get it and find out soon! Let us know how it went.
Easy? Pray tell. I heard they ask for docs/statements.
Well, I was speaking from my experience and some of those that I have read about. I realize that maybe not everyone is so lucky but I don't believe that FNBO's approval process is anywhere near as rigorous as some others.

In my situation, the underwriter asked me about my recent corporation name change and asked me to scan and send him the corporate amendment that I filed with the state. I sent it to him and He emailed me back to let me know that I was approved a hour later.

For the personal Evergreen, all I had to send them was my W2 forms and the W2 forms I sent in were only for part of my employment income. I didn't send in any income proof for my business and they were fine with it.

Neither time took me longer than ten minutes, so yes, it was easy. I've never heard of them asking for statements but I suppose it could happen especially with a shaky or murky profile.

*Dr. McCoy* "Of course; of course. A child could do it. A child could do it."

~Spock's Brain, Star Trek, Season 3, 1968