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

YungGouda
Valued Member

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

Prequalified 11/6 – 12k @ 18.99%
Applied 11/6 – as sole prop with annual biz rev of 5k, got the 2-4 weeks review message.
Received 11/7 – email with pending status
Approved 11/16 – 12k @ 18.99%; didn't have to send in any docs whatsoever.

Now awaiting my expedited card…

FICO 8s (10/11/2021)



PERSONAL

BUSINESS

RIP (& GOOD RIDDANCE!)
Message 101 of 110
BearsCubsOtters
Frequent Contributor

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


@YungGouda wrote:

Prequalified 11/6 – 12k @ 18.99%
Applied 11/6 – as sole prop with annual biz rev of 5k, got the 2-4 weeks review message.
Received 11/7 – email with pending status
Approved 11/16 – 12k @ 18.99%; didn't have to send in any docs whatsoever.

Now awaiting my expedited card…


Congrats! Is your business information easily found via your state's Secretary of State website? I wonder if they do due diligence on their end when approving without docs. 

Message 102 of 110
4sallypat
Established Contributor

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

If your business has a thin profile or non-existent, FNBO business cards rely on your personal credit.

They pull EX as a soft pull when you pre-qualify and then a  HP when you accept.

It is a PG business card.

 

My pre-approval is $15K for both business and personal.

Haven't decided which to HP....

 

Message 103 of 110
Still_Here
Established Member

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

@YungGoudaCongrats on the approval!

 

Hopefully, I will have similar luck. I app'd on 11/10 and got the 2-4 week message, and the pending email as well.  They said UW was off on Veteran's day, so maybe I'll hear something this Friday.  I am a sole prop as well.  Weird thing is, I never got hit with an HP for the app, at least not yet.  My EX F8 on that day was 686. I was pre-qual for $9k 23.99%.  I was approved last month for the personal Evergreen w/ SL $8,800.

Message 104 of 110
YungGouda
Valued Member

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


@BearsCubsOtters wrote:

@YungGouda wrote:

Prequalified 11/6 – 12k @ 18.99%
Applied 11/6 – as sole prop with annual biz rev of 5k, got the 2-4 weeks review message.
Received 11/7 – email with pending status
Approved 11/16 – 12k @ 18.99%; didn't have to send in any docs whatsoever.

Now awaiting my expedited card…


Congrats! Is your business information easily found via your state's Secretary of State website? I wonder if they do due diligence on their end when approving without docs. 


I plan on eventually filing for an LLC but I don't currently have any articles of incorporation on file @BearsCubsOtters 

I'm a sole prop, mainly doing rideshare and deliveries for the past 5 yrs; I am looking into expanding my business ventures, though, as my reasoning for applying for the card in the first place. 

FICO 8s (10/11/2021)



PERSONAL

BUSINESS

RIP (& GOOD RIDDANCE!)
Message 105 of 110
YungGouda
Valued Member

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



Hopefully, you'll fare as well as I did! @Still_Here. That is strange, tho. As soon as I hit "Submit" on the app, I got HP notifications from all my credit monitoring services. Man, I must've checked that app status 2x, 3x times a day for those 10 calendar days haha... 

FICO 8s (10/11/2021)



PERSONAL

BUSINESS

RIP (& GOOD RIDDANCE!)
Message 106 of 110
BearsCubsOtters
Frequent Contributor

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


@YungGouda wrote:

@BearsCubsOtters wrote:

@YungGouda wrote:

Prequalified 11/6 – 12k @ 18.99%
Applied 11/6 – as sole prop with annual biz rev of 5k, got the 2-4 weeks review message.
Received 11/7 – email with pending status
Approved 11/16 – 12k @ 18.99%; didn't have to send in any docs whatsoever.

Now awaiting my expedited card…


Congrats! Is your business information easily found via your state's Secretary of State website? I wonder if they do due diligence on their end when approving without docs. 


I plan on eventually filing for an LLC but I don't currently have any articles of incorporation on file @BearsCubsOtters 

I'm a sole prop, mainly doing rideshare and deliveries for the past 5 yrs; I am looking into expanding my business ventures, though, as my reasoning for applying for the card in the first place. 


@YungGouda thank you for the response. I just can't figure FNBO out. They put some people through the ringer and others, not so much. Congrats on your approval! It is one card I want to get eventually. 

Message 107 of 110
Still_Here
Established Member

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

@YungGoudaI check the online status twice a day, plus at least one phone call. After I made my reply to your OP, I got really nervous b/c I went and got my mail and had a letter from FNBO....it was the statement for my personal card though Smiley Wink

Message 108 of 110
JFox418
New Contributor

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

Can you PQ and app for the personal and business at the same time and it'll only HP your personal once? 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  Gardening since 8/19

11.18.21 - EX 780 %43 UTIL

Message 109 of 110
FinStar
Moderator

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


@JFox418 wrote:

Can you PQ and app for the personal and business at the same time and it'll only HP your personal once? 


It will be two separate HPs @JFox418.

Message 110 of 110
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