I was curious and these offers do actually change. My original offer 18 days ago was $5600 @ 18.24%, new offer is $5K @ 22.24%. Reason for the decrease is obvious - two new inquiries.
@M_Smart007 wrote:
@spiritcraft1 wrote:I just received a letter asking for ID, SS Card and 2 years of W2's to be snail mailed. I did use household income as seemingly allowed, should I include the DW?
Good sign?
@spiritcraft1, Looks like a good sign.
If DW's income is available? , yes I would include it (as long as you can prove it, should they ask)
I realize this is kinda a late response.
Thanks, I can prove it. I actually sent it in a more secure envelope with the original envelope enclosed. We will see...
@Anonymous wrote:I was curious and these offers do actually change. My original offer 18 days ago was $5600 @ 18.24%, new offer is $5K @ 22.24%. Reason for the decrease is obvious - two new inquiries.
Good info -- thanks @Anonymous 
@Anonymous wrote:I was Pre-Qual'd for a $14k SL @ 25% and took the offer. Was approved. My credit build isn't to the point where I'm able to get the lowest APRs just yet, but when I get to that point there are plenty of cards out there that are much lower than 18%.
Pulled EX9 specifically. Didn't seem to mind my 19 HP's or the 10 new accounts I've opened in the last year. Most importantly, didn't ask for income verification or bank statements.
Nice approval
-- Congrats! & thanks for the DPs.
My denial letter finally arrived today. The only reason listed was Excessive Inquiries, which doesn't surprise me. I was approved in October with 9 inquiries, and now I'm at 15 (two are theirs).
Congratulations on your approval, @Anonymous!
Like putting sweet candy in front of a baby's face. Oh the joy!
App'd anyway and of course denied
(i really expected that but they now know i WILL come calling when conditions are to their expectations)
Tried the prequal again today and it remains the same, no changes whatsoever.
As soon as the letter arrives i believe in asking reconsideration and intend to if even an inkling of a chance to get back in. No matter if it's toy limit. Just also got off the landline with U/W Dept. Gotta wait on the letter and go from there. I know or believe anyway that it's too early but geez why not just said No Offers Available after pulling a SP for the PreQual? Keeping it interesting for another time maybe?
@CreditMagic7 wrote:Like putting sweet candy in front of a baby's face. Oh the joy!
App'd anyway and of course denied
(i really expected that but they now know i WILL come calling when conditions are to their expectations)
Tried the prequal again today and it remains the same, no changes whatsoever.
As soon as the letter arrives i believe in asking reconsideration and intend to if even an inkling of a chance to get back in. No matter if it's toy limit. Just also got off the landline with U/W Dept. Gotta wait on the letter and go from there. I know or believe anyway that it's too early but geez why not just said No Offers Available after pulling a SP for the PreQual? Keeping it interesting for another time maybe?
Unless any of their policies have changed, I would temper expectations as FNBO doesn't entertain reconsiderations unless there are errors in CR data or due to verification. In the past, certain FNBO card programs offered a secured alternative in the event an applicant was denied, but so far no DPs on this particular product with that option.