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FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Yea it was a long time, it was about 2 weeks (10 business days) after applying before I knew anything (DENIED). They’re VERY sensitive to any INQ’s, which was my reason for denial. I ended up calling the reconsideration line today actually, explained that I just got done car shopping, had walked away from a dealership whom was shady during financing and ran my credit multiple times, so I left that dealership and went to another to get financed which is where I got my car. So most of my INQ’s were from that. Also explained that I already have a card with them and it’s been in great standing. She was VERY nice and took down all the information I had told her and said she would send it off to a manager and that I would hear back within 2 days. Well fast forward 1hr later and those suckers just pulled my EX again!! Hahaha not 100% sure why but thankfully no other INQ’s have been pulled on my EX since this application & my score went up 15pts so maybe I will get approved. Good luck & I hope you got/get an approval!!

DATA POINTS:
-VERY SENSITIVE TO INQ’s
-EXPECT A 2ND HP FOR RECONSIDERATION
-CLI REQUIRES A HP EVEN AFTER AN APP APPROVAL FROM THE SAME DAY/SAME REPORT
-CHECK FOR SP PRE-APPROVAL CLI OFTEN

RECONSIDERATION #:
‭(800) 444-6220‬


UPDATE: I got an e-mail just a little bit ago that I was approved, I haven’t had time to check the CL yet but regardless I went from being denied to approved!!



Garden until Jan 2020
Goal: Let new cards age | 750 Score | INQ’s fall-off


EX: 681 (F8)(11inq) | TU: 675 (F8)(7inq) | EQ: 705 (VS)(6inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late
24% Utilization | AAoA: 1yrs 11m | Oldest Account: 3yrs, 9m | Updated: Feb ‘19 | $40,000 TL
Message 11 of 16
Highlighted
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Congrats!

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                   5%-20% - Amazon & Lowes                6% Groceries - Amex Preferred (DW)
5% Gas & Sporting - Ducks Unl         4% Dining & Entertain - Savor           3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver




    
Message 12 of 16
Frequent Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

The Wife was just approved for the Secured @ $1k.  Took about 5 days to approve and 14 days from app date to receive the card.

 

Pulled EX:  570 FICO 08

INQ's:  0

3 Collections, multiple CO's

Supposedly will graduate at 11 months.  Her score should be well higher by then...  we will see.


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
3-1-19 -
Message 13 of 16
Community Leader
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...


@Shooting-For-800 wrote:

I applied for the Ducks Unlimited card and got $8,000 SL.

5% back on gas and sporting goods seems like a great reward program for no AF.

Thanks again!

 


Do you mind sharing your DPs at the time you got approved? New inqs/accounts, etc?

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 14 of 16
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...



Do you mind sharing your DPs at the time you got approved? New inqs/accounts, etc?


 

Scores: between 730-750.

Ultilization: between 15-20% before new cards  (0% balances)

Income:  above average

New Accts:  I opened 4 or 5 accounts within a week.  I do not remember what order.

Inquiries:  1 or 2 before opening 4 or 5 cards in same week.

Baddies:  nothing late on report

BK13:  5 years ago.  Long good credit history before BK.

Other Credit Cards:  15+ with $200k total limit.

Car Loan:  $19k on $35k loan - never late.

Student Loans:  Many, never late.

 

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                   5%-20% - Amazon & Lowes                6% Groceries - Amex Preferred (DW)
5% Gas & Sporting - Ducks Unl         4% Dining & Entertain - Savor           3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver




    
Message 15 of 16
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Just got a $2k CLI with Soft Pull via Phone.

 

Saw the option in this community!

 

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                   5%-20% - Amazon & Lowes                6% Groceries - Amex Preferred (DW)
5% Gas & Sporting - Ducks Unl         4% Dining & Entertain - Savor           3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver




    
Message 16 of 16