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FNBO Ducks Unlimited Denial

Regular Contributor

FNBO Ducks Unlimited Denial

I applied for the Ducks Unlimited card as part of the recent app spree. I liked the 5% gas cashback, and it is probably the highest out of any cash back card.

Application went to manual review, and it has been sitting since 11/25/19. Today I received the email update that it was declined.

"Current Status: Declined
Your credit card application has been declined. A letter will be sent to you within 7 - 10 business days explaining why your application was declined."

I know that applying for an FNBO card was very ambitious, and they decline many based on new accounts and recent inquiries. Reports show that FNBO is a very conservative lender, but some select few obtained the card with more inquiries than I have racked up.

Even though I haven't received the denial letter, I can assume it was due to 7 inquiries on Experian and oldest account being 11 months old + many recent accounts. I will have to put the FNBO Ducks card to the side and hopefully get it in the future after gardening.

Edit: Mod please move post to denials forum, sorry I got mixed up
Discover It Student - $5,650 (Jan 2019)BOA Cash Rewards Student MC World - $2,200 (Mar 2019)Amex BCE - $12,300 (May 2019)Chase Amazon Prime Rewards Visa Sig - $3,200 (Aug 2019)Chase Freedom Visa - $3,400 (Nov 2019)Citi Double Cash MC World Elite - $8,900 (Nov 2019)USBank Cash+ Visa Sig - $9,000 (Dec 2019)Capital One Walmart Rewards MC - $2,250 (Mar 2020)NFCU More Rewards Amex - $7,000 (Jul 2020)GS Apple Card - $3,000 (Aug 2020)NFCU cashRewards Visa - $1,000 (Oct 2020)USBank Altitude Go - $2,000 (Jan 2021)BlockFi Rewards Visa Sig - $8,000 (Jul 2021)Citi Custom Cash MC - $4,500 (Jul 2021)
Tesla Cybertruck Tri-Motor (Pre-order, low APR is the goal)2013 Maserati GranTurismo (cash, daily)
As of 10/04/21:
EQ FICO9: 748 EX FICO8: 743 TU FICO8: 739
Goals: none for now
Message 1 of 5
Mega Contributor

Re: FNBO Ducks Unlimited Denial

We'll commiserate on your denial.
Message 2 of 5
Valued Member

Re: FNBO Ducks Unlimited Denial

YMMV with this one, as always there is multiple factors when looking at your credit profile. I was approved with 1 new account in the last 6 months and 8 inquires in the last 2 years. 

Message 3 of 5
Regular Contributor

Re: FNBO Ducks Unlimited Denial

I've read somewhere that you need at least 3 years worth of good credit history, but don't take my word from it. In that case, being an authorized user did help me... that card is 2 yrs. older than my oldest credit card.
Credit Cards


Future CCs
Discover It, Chase Freedom, BB Americas Platinum Plus
Message 4 of 5
Regular Contributor

Re: FNBO Ducks Unlimited Denial

Don't give up!  I re-applied after getting denied last June, stated "too many inquiries" with only 2!  Just approved $15K instantly with 3 inquiries EXP pull  -  I think they are just a crapshoot with applications - hit and miss


Message 5 of 5
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