You can now pre-qualify for the business FNBO 2% Cashback card

[4sallypat]

So I am getting my old online business back into business checking, credit, etc...

I even found my old EIN # from 10 years ago when I had a different business.

FNBO gave me a $15K SL but my personal EX inquiries are high (11) due to mortgage inquiries.

Will FNBO still extend credit ?

[FinStar]

---

@4sallypat wrote:

So I am getting my old online business back into business checking, credit, etc...

I even found my old EIN # from 10 years ago when I had a different business.

FNBO gave me a $15K SL but my personal EX inquiries are high (11) due to mortgage inquiries.

Will FNBO still extend credit ?

---

@4sallypat -- please reference posts/DPs upthread. Bottom line, just like the personal version, the pre-qualification is not 100% guaranteed. Only way to know is when you pull the trigger. HP on EX.

[Thammer]

Just tried the prequalify site for the personal card, and got a solid rate/credit line. Pulled the trigger and it was an instant approval for the exact terms/limit in the prequalify link. Seems to be accurate I'd say.

[Thammer]

---

@4sallypat wrote:

So I am getting my old online business back into business checking, credit, etc...

I even found my old EIN # from 10 years ago when I had a different business.

FNBO gave me a $15K SL but my personal EX inquiries are high (11) due to mortgage inquiries.

Will FNBO still extend credit ?

---

I just got approved for the personal version with almost 22 inqs on Exp. Mortgage refinance inquiries, recent auto loan, and CC apps. Score in the 780s, low UTI, 175k reported income. 

[JL276]

Ran the prequal and approved for same amount. They overnited the card without me asking, just activated this morning. In my case it was accurate.

[GrainFan]

Just applied as sole prop. with no business banking or other info filled out, just $5k in yearly spend. EX-09 somewhere around 730, 9/24 inq, 6/24 new accounts. Received the 2-4 weeks message, hopefully they don't ask for biz docs because I don't have em. But I got the FNBO Evergreen personal a few months ago, so we'll see. 

[4sallypat]

---

@GrainFan wrote:

Just applied as sole prop. with no business banking or other info filled out, just $5k in yearly spend. EX-09 somewhere around 730, 9/24 inq, 6/24 new accounts. Received the 2-4 weeks message, hopefully they don't ask for biz docs because I don't have em. But I got the FNBO Evergreen personal a few months ago, so we'll see. 

---

Do let us know what is the outcome for the business FNBO card app?

I am in a similar situation (Sole Prop), thin business profile, 770 EX-09, 12/24 inq, 3/24 new, 4% UT.

No relationship with FNBO at all (not even the co-branded cards)

[GrainFan]

@4sallypat I will definitely keep you updated - I have no business profile at all - but I do resale on the side. My UTI is also <10%, usually 4-6%.

[GrainFan]

@4sallypat Approved on Friday with SL of $9000, matches my preapproval. They didn't ask for docs, so I lucked out there. I'm guessing my previous relationship helped, best of luck to you though!

[4sallypat]

---

@GrainFan wrote:

@4sallypat Approved on Friday with SL of $9000, matches my preapproval. They didn't ask for docs, so I lucked out there. I'm guessing my previous relationship helped, best of luck to you though!

---

Yay congrats !

Good to hear, I shall be applying soon.

Thanks for the DP.