FNBO Ducks unlimited denial letter

[Grizzly1]

So a few weeks back apped for this card and today after quite some time, finally recieved my rejection letter. The reason for denial was "To many inquiries". Up until apping for this card, I only had two inquiries with Experian, both this last May. They may be harder to get in with than chase. They of course pulled Fico bank card 9 which I am at 671. Has anyone had any luck doing recon with this bank?

[FinStar]

Sorry to hear about the denial.

Unfortunately, FNBO isn't known for reconsiderations. An item to keep in mind, besides traditional CR data, they also tend to pull alternate reports, such as SageStream, IIRC.

What is your overall AAoA and what is holding your scores down?

[Grizzly1]

My AAoA is 6 years 4 months, however I’ve only had credit cards for several months.

As for what’s holding my score down, I have several late payments as well as a FC in ‘16.

[FinStar]

Ok so it sounds like the overall profile wasn't as strong to get an approval based on the information you shared.

I would give it about 9-12 months from your most recent approval to try again. Try to keep any inquiries and/or new accounts in check so that they're not the major factors when your application is reviewed.

[credit_endurance]

Sorry to hear about your denial OP. I to was denied for this card a couple weeks ago. I was pretty confident in this one as I only had 3 inquiries within the past 12 months 9 total on report. My Bankcard score is probably around 800. But when I called about the decision they stated to many recent inquiries and they used some type of clearinghouse reporting agency which was stated but the actual name is vague now.I probably only have myself to blame because I thawed out my sags and ada reports prior because my last app with FNBO yielded instant decline but no Hp was received. I already have one card with them so thought that would help as well but, not In my case. I will try them again in a year or so and hopefully they will still be offering this card.

[zerofire]

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@Grizzly1 wrote:

So a few weeks back apped for this card and today after quite some time, finally recieved my rejection letter. The reason for denial was "To many inquiries". Up until apping for this card, I only had two inquiries with Experian, both this last May. They may be harder to get in with than chase. They of course pulled Fico bank card 9 which I am at 671. Has anyone had any luck doing recon with this bank?

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It always hurts when a great card says no to jumping into your wallet. Two inquiries other than the one for FNBO should not be the reason for denial or at least not alone anyway. Most likely I would guess is that the score is not really that strong. I remember people needing 720's just to be looked at for the Duck's Unlimited or maybe 680-90 on the low end. To get this card I would think you need to pull some more weeds and party with the watering can aka garden.

You can try recon if you like. I am sure the number is written somewhere in the recon list. Be aware that current history states that a recon with FNBO is really hard to do successfully. They are known for giving very straight reasons to deny you and those reasons have little to no room to budge on.

FNBO is actually easier than Chase. They only look at inquiries in past 6-12 months and score. Since some CLi's have no inquiries it is easy to manipulate those numbers. Chase looks at actual accounts and looks at the more painful 2 years. It is super easy to to get accounts to report even when their inquiry is on another bureau and the wait hurts.