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FNBO Evergreen Pending App

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Cashbackjunky
Established Contributor

Re: FNBO Evergreen Pending App

@ocheosa I'm glad you shared your opinion here. I'm definitely going to give it a try on Monday. If they won't accept paystubs through a secure portal or something of the sorts, I don't need the card.

Cheers!

AmEx Blue Cash Everyday-$20k | | AmEx Cash Magnet-$20k | | Apple Card-$31k | | BofA Customized Cash-$99.9k | | BofA Customized Cash-$45k | | BofA Unlimited Cash-$50k | | CapOne Quicksilver-$30k | | CapOne Savor-$25.75k | | Chase Amazon-$31.2k | | Chase Freedom-$6k | | Chase Freedom Flex-$28k | | Chase Freedom Unlimited-$20.8k | | Chase Freedom Unlimited-$22k | | Chase Sapphire Preferred-$54.5k | | Citi Custom Cash-$23.9k | | Citi Custom Cash-$17.4k | | Discover It Cash Back-$18k | | Discover It Cash Back-$29.3k | |Discover It Travel-$14.5k | | Elan Max Cash Preferred-$15k | | Fidelity Rewards Visa Signature-$25k | | PayPal Cashback Mastercard-$25k | | PenFed Platinum Rewards Visa Signature-$12.5k | | PenFed Power Cash-$12.5k | | Sam's Club Mastercard-$16k | | Synchrony Discount Tire Card-$10k | | Wells Fargo Autograph-$25k

FICO Score 8:
850 INQ:
1
850 INQ:
5
837 INQ:
7

TCL: $728.25k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0

Mortgage: $206.0k Car Loan 1: $17.0k Car Loan 2: $18.6k
Message 21 of 23
Cashbackjunky
Established Contributor

Re: FNBO Evergreen Pending App

Another question. I put our household income in the app. Do I have to send paystubs from my wife?

AmEx Blue Cash Everyday-$20k | | AmEx Cash Magnet-$20k | | Apple Card-$31k | | BofA Customized Cash-$99.9k | | BofA Customized Cash-$45k | | BofA Unlimited Cash-$50k | | CapOne Quicksilver-$30k | | CapOne Savor-$25.75k | | Chase Amazon-$31.2k | | Chase Freedom-$6k | | Chase Freedom Flex-$28k | | Chase Freedom Unlimited-$20.8k | | Chase Freedom Unlimited-$22k | | Chase Sapphire Preferred-$54.5k | | Citi Custom Cash-$23.9k | | Citi Custom Cash-$17.4k | | Discover It Cash Back-$18k | | Discover It Cash Back-$29.3k | |Discover It Travel-$14.5k | | Elan Max Cash Preferred-$15k | | Fidelity Rewards Visa Signature-$25k | | PayPal Cashback Mastercard-$25k | | PenFed Platinum Rewards Visa Signature-$12.5k | | PenFed Power Cash-$12.5k | | Sam's Club Mastercard-$16k | | Synchrony Discount Tire Card-$10k | | Wells Fargo Autograph-$25k

FICO Score 8:
850 INQ:
1
850 INQ:
5
837 INQ:
7

TCL: $728.25k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0

Mortgage: $206.0k Car Loan 1: $17.0k Car Loan 2: $18.6k
Message 22 of 23
ocheosa
Valued Contributor

Re: FNBO Evergreen Pending App


@Cashbackjunky wrote:

Another question. I put our household income in the app. Do I have to send paystubs from my wife?


@Cashbackjunky You can also fax the documents, interesting that the number is not included on your letter but you can ask the CSR. I requested email as it was my first account with FNBO, and a relatively new business, so I could correspond directly with the decision maker. It was a wise choice.

 

If you used household income, yes, I would definitely include your wife's pay stubs and/or bank statements that prove you have access to those funds. Joint tax returns would also suffice but I shy away from providing tax returns for credit cards, others don't seem to mind. If you are uncomfortable with W2's , I would imagine tax returns to be a hard no.Smiley Happy Hope you have a positive outcome!

[11/25] Scores 8/9: 7-800s. Util: ≤ 1%. AoOA: 18.4y, AoYA: 1y. New Acct: 0/12, 1/24. Inq/12: EQ 0, EX 0, TU 0.
TCL $706K: Personal $575K, Business $131K.
Message 23 of 23
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