FNBO Rewards Pre-Qual App Data Points (UPDATE: DENIED)

[Mr_Mojo_Risin]

---

@gregorius wrote:

---

@Mr_Mojo_Risin wrote:

I thought I read this card has a 25.00 min redemption. 

Can anyone confirm that?

---

From the Summary of Credit Terms (unless someone with the card can show otherwise):

Points can be redeemed for (collectively, the “Rewards”):
• Cash back (in 2,500 point increments equaling $25)

    o as a statement credit to the Account,
    o an ACH deposit to any checking or savings account (ABA routing number required), or

    o as a check sent by mail

• Gift cards/certificates
• Merchandise
• Other goods and services

---

Thanks for taking the time to add those DP's. 

If you use it enough, shouldn't take too long to reach. I'd rather have no min redemption which I'm sure is most cardholders.

[alessandrom]

I think is accurate. I was just pre qualified for 6300 SL and decided to go through with the application. It was approved a couple of hours later same credit limit. This is my highest limit and first prime credit card since starting my credit rebuilding journey. All of my other cards are 300 and 500 limits. 

[justjac2]

Congratulations, @alessandrom!!

[kdm31091]

Also seeing the same 15k preapproval which makes me question how legit it really is. Even those who were "preapproved" may have been approved regardless. Who knows. 

[chuckwood]

I have not recieved a letter yet. I just got a email that said I was denied 

[Fated4Credit]

I just tried their pre-qual tool I was intrigued by the card just because green is my favorite color & its very rare to see credit cards in green. If I do app in the future looking out for another 2% to go along with my PPMC. No offers came up.  The said I'll get a letter in 7-10 business days explaining why 🤨 maybe its a location issue, I'm in NY so who knows, but I don't think its a big deal for them to send out a letter seeing as how I wasn't actually applying but whatever lol. 

[Anonymous]

---

@Fated4Credit wrote:

I just tried their pre-qual tool I was intrigued by the card just because green is my favorite color & its very rare to see credit cards in green. If I do app in the future looking out for another 2% to go along with my PPMC. No offers came up.  The said I'll get a letter in 7-10 business days explaining why 🤨 maybe its a location issue, I'm in NY so who knows, but I don't think its a big deal for them to send out a letter seeing as how I wasn't actually applying but whatever lol. 

---

Being in NY may well be the reason as it's outside their geofence. I'm also in NY but circumvented the geofence via a targeted mailer offering a card, which I took. I think that may be why trying this prequal worked for me, as I'm an existing cardholder through their procedure of becoming one while outside their normal operating area.

[1GaDawg85]

just offered me $15k at 22% through the pre-qualification page. 

Thanks but no thanks FNBO (currently going for a mortgage)

[disney2]

I got the $15k limit too but they wanted secured.  I closed the screen because I have $15k for Penfed without being secured.  No thanks!

[spiritcraft1]

---

@spiritcraft1 wrote:

FYI: They use EX F09 Bankcard scores exclusively.  The DW has personal and Biz cards with them.  I did a prequal for each of us, I had 15K and 22% but she had a 15k at 14% .  We are within the footprint geo-wise.

---

Right after this post, I went back and applied for real.  I figured why not with one EX INQ in the last year and being that the 15k would be my highest limit.  The interest rate is not of concern as it would be paid in full.  It went pending and is still pending.  Who knows what that means?