FNBO INCOME

[britt585]

Just wanted to know if FNBO has a certain income they look for when approving ?

[Trini88]

Not sure about what income they are looking for but I know when I applied and they wanted my w2s I made way less than I made in 2021. 2019 income was 1/3 of what I made due to having a baby and 2020 income was less than 2/3 of what I made due to furlough. Still got approved.

[Who_wuda_thought]

They do approve lower income individuals for accounts (me!) but I do have an impeccable (though younger) credit file.  The FNBO Evergreen VISA may possibly be approved as a regular VISA acct with <$5k SL for lower income applicants, as opposed to the Evergreen VISA Signature.

ETA - I was instant approved, no income verification required.

[Dp23]

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@britt585 wrote:

Just wanted to know if FNBO has a certain income they look for when approving ?

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I sent in check stubs instead of W2s & it was about 24k difference from what the check stubs shows vs what I put into get prequalified. I did work two additional jobs before starting this one so that's where the other 24k came from but they didn't ask any additional questions. I was instantly approved & the security hold was lifted after faxing requested documents.

[britt585]

congrats.. so are you saying they will except pay stubs instead of w2's?. 

[BenTramer1978]

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@britt585 wrote:

Just wanted to know if FNBO has a certain income they look for when approving ?

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Well I can tell you that they will give you 5,600 at 30K. 

[AverageJoesCredit]

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@BenTramer1978 wrote:

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@britt585 wrote:

Just wanted to know if FNBO has a certain income they look for when approving ?

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Well I can tell you that they will give you 5,600 at 30K. 

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Is this what they gave you? Its hard to give someone absolutes in credit.  Im not sure there is a specific amount related to income table that im aware of . If Op is interested in this card and has verifiable income,  it might be worth a shot to go for it. 

[britt585]

thank you. did you send w2's or paystubs?. I didn't know they would except paystubs instead of w2's!

[BenTramer1978]

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@AverageJoesCredit wrote:

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@BenTramer1978 wrote:

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@britt585 wrote:

Just wanted to know if FNBO has a certain income they look for when approving ?

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Well I can tell you that they will give you 5,600 at 30K. 

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Is this what they gave you? Its hard to give someone absolutes in credit.  Im not sure there is a specific amount related to income table that im aware of . If Op is interested in this card and has verifiable income,  it might be worth a shot to go for it. 

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Yes that is what they gave me and yes you are correct that it may not work out the same for op but they were looking for others personal experiences. 

[BenTramer1978]

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@britt585 wrote:

thank you. did you send w2's or paystubs?. I didn't know they would except paystubs instead of w2's!

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I didn't have to send anything, I was instantly approved. I think most do end up having to send their info in.