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

[rostrow416]

@spiritcraft1 thanks for the support.  I apped.  Was approved.  No self control here.

[spiritcraft1]

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@rostrow416 wrote:

@spiritcraft1 thanks for the support.  I apped.  Was approved.  No self control here.

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Alright...   DP's please!

[Anonymous]

Has anyone been denied after utilizing the FNBO prequalification site? Or is the prequal pretty golden? I receieved a desriptive CL and interest rate after using it. I believe they use Experian.

[Mr_Mojo_Risin]

Yes, there has been at least a few members here who were pre-approved for a specific SL. Then hours or days later they received the denial email/letter.

Seems quite a few have been approved after pre-approval though.

It's not 100% solid if that's what your asking?

[Mr_Mojo_Risin]

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@Anonymous wrote:

Has anyone been denied after utilizing the FNBO prequalification site? Or is the prequal pretty golden? I receieved a desriptive CL and interest rate after using it. I believe they use Experian.

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Have you looked through the long FNBO thread here on the Credit Apps forum? That's where you'll find many DP's (approvals/denials).

[spiritcraft1]

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@Anonymous wrote:

Has anyone been denied after utilizing the FNBO prequalification site? Or is the prequal pretty golden? I receieved a desriptive CL and interest rate after using it. I believe they use Experian.

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It has been all over the map and zero rhyme or reason.  I was approved with a 698 EX F09 Bankcard while some others in the 800's have been denied.  I never thought I have a shot after they asked me for docs but they pre-approved me for what was my highest limit (way back on 4-22-21 anyway).  There are many approvals all over the map as well. 

I also have 2 INQ's on EX and no new accounts at that time.  I also opened a checking account in case that made it easier to identify me.  

It's just an EX INQ and it is a good bank but is it worth it?  Only you know that answer.

[Anonymous]

Also no self control here. I received a few mailers from them recently, but all were for the 1% card and I wasn't interested. Then I saw the growing FNBO threads & the frequent $15K preapprovals for 2% on everything. It may have been very late. There may have been cocktails involved. 

Preapproval was for $15K @ 18.24. Went for it & instant approval for exactly what was shown on the preapproval screen. 
Both the prequal screen & the email didn't state flavor of Visa, but the congrats screen showed Visa Signature. I was relieved it wasn't a wait & see situation, or a prove who you are by sending us a DNA sample in a baggie by USPS situation. 

DPs: 

Pulled EX - 806 

(EX alert within seconds & lost 6 pts.) 

4 Total Inquiries at Time of Pull - 2 on EX (5/20, 7/20)

AAoA - 12+ Yrs

AoOA - 31+ Yrs

0 Lates, ETC 

2% Utilization 

Income >90K 

[FinStar]

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@Anonymous wrote:

Has anyone been denied after utilizing the FNBO prequalification site? Or is the prequal pretty golden? I receieved a desriptive CL and interest rate after using it. I believe they use Experian.

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@Anonymous- please reference posts upthread.  Lots of DPs on the outcomes.

[WavysMommy]

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@Anonymous wrote:

Has anyone been denied after utilizing the FNBO prequalification site? Or is the prequal pretty golden? I receieved a desriptive CL and interest rate after using it. I believe they use Experian.

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*raises hand* 

I posted on the previous page about getting 6.9k, 21.24% apr preapproval and then like 4 hours later, denial(after getting the 2-4 week message).

[Slabenstein]

Just ran the pre-app for fun, and they offered me $11.3k @ 18.24%.  Not going to apply, but I was curious what they would show me for a limit.