FNBO Evergreen prequal - 15K limit

[RealEstateGuy89]

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@Heatt99 wrote:

That is the max initial limit they usually start the card with. If u have a large BT or spend, they usually auto increase at 4 months.

* They pull EQ9 bankcard score.

* call in and ask if there are any SP at 4 month increments up to 25k. After that they might only offer HP request.

* my card started at 15k. Did a BT of 9k with some spend over 12 months. Card stands at 23k after 1yr.

* beware some have recieved CLD for small or no spend even at the 4 or 6 month mark.

GL

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Usually for most applications, it's been an Experian hard pull. 

[raisemysc0re]

Only 1 Inquiry on EQ and TU but 8 on EX... Wish I could find out for sure what they pull in Massachusetts. 

[RealEstateGuy89]

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@raisemysc0re wrote:

Only 1 Inquiry on EQ and TU but 8 on EX... Wish I could find out for sure what they pull in Massachusetts. 

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My hard pull was Experian and every one I read on here had all reported Experian. If you are able to apply, I think you will be ok with 8 inquiries. I've seen many get approved that were well over 8 inquiries. (I've seen you over on the FNBO Master thread so I figured there was no need to warn you about recent situations). 

[Beefy1212]

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@RealEstateGuy89 wrote:

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@raisemysc0re wrote:

Only 1 Inquiry on EQ and TU but 8 on EX... Wish I could find out for sure what they pull in Massachusetts. 

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My hard pull was Experian and every one I read on here had all reported Experian. If you are able to apply, I think you will be ok with 8 inquiries. I've seen many get approved that were well over 8 inquiries. (I've seen you over on the FNBO Master thread so I figured there was no need to warn you about recent situations). 

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Was 23/12 and had applied for affinity cash rewards the same day. 7/12 were credit cards, the rest were autoloans related but several coded wrong I just never bothered to correct all in all scoring wise with the errors was somewhere around 15/12 they approvd me for 14k, and sp cli to 19k 9 months later.

[raisemysc0re]

I wasn't so concerned about not getting approved for this card as much as I am about getting another inquiry on EX report. Would rather have them more spread out accros CRAs.

[SDMarik]

Great card, as soon as I'm not geofenced anymore I definately want to pull the trigger on it. I believe $15K is the highest SL I have seen reported on the card, but I could be wrong.

[themanhimself]

With prequalify it seems the highest for most is 15k 

I had a cld (was a pretty new customer) but called and was able to get most of it back. Next month I plan to call and see about an increase to up the limit. 

Overall happy with fnbo and really like the card. I plan to be a customer a long time unless they play too many games 

[raisemysc0re]

Well, I had my DW apply and got the 2-4 week message. Prequaled for the 15K again tonight right before applying.

She did open the Citi CC and Chase Amazon Visa yesterday and today so that might have been the issue.

[M_Smart007]

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@raisemysc0re wrote:

Well, I had my DW apply and got the 2-4 week message. Prequaled for the 15K again tonight right before applying.

She did open the Citi CC and Chase Amazon Visa yesterday and today so that might have been the issue.

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Most of their applications go through a "manual review" ..

You can check application status here .. but I'd give it a few days first.

https://www.card.fnbo.com/view-application-status/

The only instant approval I had  ..was a business card.

[raisemysc0re]

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@M_Smart007 wrote:

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Most of their applications go through a "manual review" ..

You can check application status here .. but I'd give it a few days first.

https://www.card.fnbo.com/view-application-status/

The only instant approval I had  ..was a business card.

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This is nice to know. Of the 3 cards she app'ed for, this is the one I was least worried about an approval on. But with getting the 2 cards within 2 days of applying for this I would understand.