FNBO Business Card waitlist

Anonymous · ‎02-24-2022

Just tried to prequalify for this card and received a waitlist notification. Has anyone else experienced this and if so how long were you on the waitlist before they allowed you to apply?

cashorcharge · ‎02-24-2022

That's new...

Red1Blue · ‎02-24-2022

Hi @Anonymous I am not sure what is the wait list means. I have not heard of the wait list. Is it some thing FNBO trying to market to some states and waiting for the approval? Could you please explain little bit more.

Anonymous · ‎02-24-2022

Asked for zip code and then got this...

https://fnbo.force.com/WaitList/s/

Due to significant response, we are taking card applications on a scheduled basis. To join our waitlist, please fill out your information and we’ll notify you when it’s your turn to submit your application. Thank you!

Red1Blue · ‎02-24-2022

@Anonymous wrote:
IMG_1193.JPG

I dont think we can see the jpg image.

AceTen · ‎02-24-2022

I heard someone mention the wait list for FNBO a few days ago. They have also lowered their pre-qual limits recently from what I can tell from checking the personal card... it used to show a pre-qual limit the same as my bus evergreen, but now it is lower (more on that below).

There is a First bank business master card, isssued by FNBO, that pays flat 1.5% cashback and they pull experian personal according to other data points.

Data points: https://ficoforums.myfico.com/t5/Business-Credit/FNBO-Business-CC-First-Bank-MC/td-p/6483859

Pre-qual link: https://www.card.fnbo.com/mpp/firstbank/business/web-mc.html

The sub is only $30 and 0% interest but they have a pre-qualify, link like the evergreen. My "prequal" limit was the same as what I got approved for the evergreen business, when I checked a few weeks back. However, recently my preapproval amount went down by around 40% with no profile changes. Several other members have mentioned the same thing. I suspect this is due to global issues.

Good luck with the waitlist and the master card if you decide to apply.

"Chains of habit are too light to be felt until they are too heavy to be broken."

Red1Blue · ‎02-24-2022

Hi @AceTen when you try pre-qual how long did you wait after your got your first card? When I try to pre-qual it says too many inquirues. But I have only 5 new inquiries since my FNBO card approval of which 4 are from FNBO it self. My first personal ($11,600) and Business card ($13,900) were pre-quals and the approvals came exactly same. Right now I don't want to add new cards. I have decided to wait for 6 months and then try pre-qual again and see what they show as.

LP007 · ‎02-24-2022

@Red1Blue wrote:
Hi @AceTen when you try pre-qual how long did you wait after your got your first card? When I try to pre-qual it says too many inquirues. But I have only 5 new inquiries since my FNBO card approval of which 4 are from FNBO it self. My first personal ($11,600) and Business card ($13,900) were pre-quals and the approvals came exactly same. Right now I don't want to add new cards. I have decided to wait for 6 months and then try pre-qual again and see what they show as.

I pre-qual'd for $15K and got DeeeNiiiiide. Letter in 7-10 biz days.

Red1Blue · ‎02-24-2022

@LP007 wrote:
I pre-qual'd for $15K and got DeeeNiiiiide. Letter in 7-10 biz days.

Hi @LP007 what did the letter say. Normally for Business Apps it is common for them to take time. For some people they automatically gave the card. For some they took time and approved it. For some people they asked for additional documents. In my case I got 7-10 day message. All they wanted to do is pull my Credit Report again. Not sure why. They did pull once when I applied. I let them pull my report again and after that it is approved within 4 hours with the exact amount that I pre-qualified $13,900. I can not complain. I am happy for now. I am going to let my credit report age for 6 months and see where my scores stands.

LP007 · ‎02-24-2022

@Red1Blue wrote:
@LP007 wrote:
I pre-qual'd for $15K and got DeeeNiiiiide. Letter in 7-10 biz days.
Hi @LP007 what did the letter say. Normally for Business Apps it is common for them to take time. For some people they automatically gave the card. For some they took time and approved it. For some people they asked for additional documents. In my case I got 7-10 day message. All they wanted to do is pull my Credit Report again. Not sure why. They did pull once when I applied. I let them pull my report again and after that it is approved within 4 hours with the exact amount that I pre-qualified $13,900. I can not complain. I am happy for now. I am going to let my credit report age for 6 months and see where my scores stands.

This is biz day 2.