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FNBO Mlife app advice

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CreditInspired
Super Contributor

Re: FNBO Mlife app advice

Keeping my fingers crossed for you.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 11 of 22
FinStar
Moderator Emeritus

Re: FNBO Mlife app advice


@Anonymous wrote:

I app'd.   Pend of course lol. Now we wait.   🙄🙄🙄


You can periodically check the status of it online as well.  Hopefully a good outcome!

Message 12 of 22
Anonymous
Not applicable

Re: FNBO Mlife app advice


@Anonymous wrote:

I app'd.   Pend of course lol. Now we wait.   🙄🙄🙄


Good luck mate!

Message 13 of 22
scarfa21
Frequent Contributor

Re: FNBO Mlife app advice

I was recently approved for this card also, scores in sig, but it took about a day for them to approve me maunally.  I had maybe 2-3 inq at the time.  Keep checking that link, I actually called them also to help speed it up.  

 

Good luck!!

 

 

Message 14 of 22
Caught750
Valued Contributor

Re: FNBO Mlife app advice

Best of luck, keep us updated!
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~750 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 15 of 22
KDKobes
Regular Contributor

Re: FNBO Mlife app advice

From my experience, information I’ve gathered, & my banker. The higher-end cards they’re usually looking for a 750 or higher score, pull EX, very sensitive to INQ, use FICO 9, very sensitive to any accounts carrying a balance and/or too many accounts with a balance. I would say your chances of approval are high, process can take up to 2-3 weeks.




EX: 694 (F8)(7inq) | TU: 691 (VS3)(5inq) | EQ: 699 (VS3)(5inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late on file
9% Utilization | AAoA: 2yrs | Updated: *UPDATING*
Message 16 of 22
Anonymous
Not applicable

Re: FNBO Mlife app advice

great!! thanks for that additional info.  someone mentioned a link.  i must have missed that.  is there a link to check app?  id rather not call them so i dont have to explain inq/other stuff LOL.  dont mind verification questions, but i can wait it out if i dont have to talk to them.  if you have a lnk, can you post?  or tell me where to locate?  

Message 17 of 22
Anonymous
Not applicable

Re: FNBO Mlife app advice

also, the balances might be a concern.  though my util is pretty low, i do have a small balance on 5 cards, just to let them report, because i hadnt used them in a while.  hope that doesnt get under their skin too badly.  geez, might have pulled trigger too soon.  

Message 18 of 22
FinStar
Moderator Emeritus

Re: FNBO Mlife app advice

You can check here. The top Menu navigation should provide the Application Status input form:

https://www.firstbankcard.com/mlife/
Message 19 of 22
Anonymous
Not applicable

Re: FNBO Mlife app advice

Much appreciated Fin!  😊😊

Message 20 of 22
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