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

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CreditCuriosity
Moderator Emeritus

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


@Remedios wrote:

I don't even use the ones I have 🤫

I was just curious because...boredom.

If only crocheting wasn't so hard (those videos make it look like one needs tentacles instead of fingers) 

 

Thank you, though. 

 

 


@Remedios AOD live on the edge Smiley Happy.  I think you would be golden

Message 131 of 331
Remedios
Credit Mentor

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

@CreditCuriosity  if I could figure out how to join without getting a separate PhD, I would have long time ago 

 

I think it might be simpler just to fly and apply 

Message 132 of 331
Fated4Credit
Regular Contributor

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

I finally received the letter after my first pre-qual didn't work, because my reports were locked specifically EX. So after debating to give it another shot, curorsity killed the cat in the end & I unlocked it. Hit the pre-qual again.... $5k @ 22.24 APR 🤨 especially when they have a little note @ the bottom saying they SL might be less after going through the app process. Yeah no thanks, no matter how much I love the color green lol, doesn't seem worth it for a HP. If it was 10k then now we're talking

Discover: $15,900
Cap One QS: $4811
CFU: $8,000
PPMC: $12,000
US Bank Cash+: $13,000
Penfed Powercash Rewards: $7,500
AAOA: 3.5 yrs
Experian (Fico 8) 756
Transunion (Fico 8) 757
Equifax (Fico 8) 764
Message 133 of 331
Guyatthebeach
Valued Contributor

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

I'd tried for a kicks and was approved for $11,300 at 18.24%. I'm impressed. 

Guyatthebeach

Message 134 of 331
Anonymous
Not applicable

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

@Guyatthebeach Congrats my friend, that is awesome! We both are incredibly lucky, we must be doing something right, lol

Message 135 of 331
Guyatthebeach
Valued Contributor

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

I'm very happy to have a card with FNBO again.  I wasn't expecting to be approved since my bankruptcy has not fallen off yet.  

Now to see if I can get back into Chase and BOA.

 

Guyatthebeach 

Message 136 of 331
Anonymous
Not applicable

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

@Guyatthebeach I have to many inquiries or else I would be probably applying the same places that you are going to apply to, good luck with everything, sucks, I need to wait about a tad over a year and let my inquiries fall off.... 

Message 137 of 331
WavysMommy
Regular Contributor

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

I did the prequal last week and came up preapproved for secured. Figured this was because my Experian was locked. Unlocked and waited 5 days; preapproved for 6.9k, 21.24% I think. I should have screenshot.

 

Anyway, proceed and get the 2-4 week message. Four hours later, denial. 🤷🏾‍♀️

 

DPs:

Fico 8: 670

Inq: 5(before app and majority falling off this year)

Accounts opened in last 6 months: 4

BK reporting(Discharged 8/2019)

3% utilization

 

Guessing the BK and number of accounts opened triggered denial. Should've waited/stayed in the garden. 🤷🏾‍♀️

Message 138 of 331
rostrow416
Established Contributor

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

I'm trying to garden but FNBO is making me weak.

 

Unlocked my Experian for a prequal, got 15k at 22.x%.  Last time I tried it was 14k at 25%.

 

I locked my Experian back up.  But I don't know if I can resist.  Please.  Send help.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 139 of 331
spiritcraft1
Valued Contributor

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


@rostrow416 wrote:

I'm trying to garden but FNBO is making me weak.

 

Unlocked my Experian for a prequal, got 15k at 22.x%.  Last time I tried it was 14k at 25%.

 

I locked my Experian back up.  But I don't know if I can resist.  Please.  Send help.


No help here...  it would hypocritical Smiley Happy


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 140 of 331
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