So there's a new post in the giant pre-qualifier thread for fnbo, and since I have no self-control lately, went ahead and tried it. I was pre-qualified for $15K Evergreen Rewards card with 2% cashback. The app went under review, said I'll hear something in 2-4 weeks. I'm not holding my breath since I just got a card from them back in October, and have opened at least 6 new accounts since then (yes, I know). EX pull, 760 FICO 8, 14 inquiries now. I'll update when I get a decision.
ETA: here's the link to the post
Thanks, @Anonymous and @FinStar! The CL was $15K but I don't remember the APR. I should have taken a screenshot before completing the app 🤦🏾♀️
FWIW, I just tried the prequal myself and the offer was for $11,300 and 18.24%.
Gardening now, with a summer SUB in mind (but still good to know). Anyhow, good luck.
@Jnbmom wrote:
@Remedios wrote:Well, I think they are just throwing $15,000.00 around because that's also what I got on prequal.
I think outcome of application might wildly differ from prequal
I just tried it prequalified for 15K and also did DH, trouble is he was denied for this card a few weeks back 🙄So unfortunately I don't think this is accurate .
I think the APR is accurate, several new accounts in the last 6 weeks.
I am a high risk flyer
It looks like 18.24% is the lowest APR they offer for this card. I've only made one previous FNBO application . I got denied for the Overstock MasterCard when they used to have it but that was about 4 years ago. I was ticked so I closed my Overstock store card and I haven't shopped there since. I don't really hold grudges that long but the site seems overpriced to me and I can never find any discount codes for that site. But I digress, I do think this is probably a fairly solid preapproval. I can't apply because I'm not currently taking on any new accounts (I refuse to use the "G" word). Maybe others will take the plunge.
