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

[Doodlebug30]

Thank you @Anonymous , I needed to be talked off the ledge lol

[Doodlebug30]

Thanks @Anonymous 

[Doodlebug30]

I made a commitment to garden until 12/1/21 but I'm getting that itch to apply lol I have to stay strong!

[Anonymous]

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@Doodlebug30 wrote:

I made a commitment to garden until 12/1/21 but I'm getting that itch to apply lol I have to stay strong!

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Freeze those credit reports! Only way I made it a year to get my US Bank and Elan approvals.

[Anonymous]

Trust me I know I'm holding for chase and I don't even know why

[chuckwood]

Update: I recieved my denial letter and it said I was denied for excessive inquires... 3 in 2 years excessive???

[FinStar]

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@chuckwood wrote:

Update: I recieved my denial letter and it said I was denied for excessive inquires... 3 in 2 years excessive???

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There likely were other factors, however they're only required to provide 1 reason.

The only reason I mention this is because I have had quite more inquiries than you (on EX) in the past 24 months, and I was approved for 2 of their cards last year (2 months apart).

ETA - these were cold apps so approvals are possible (no mailers or pre-approvals).  Just depends on your overall profile.

[Doodlebug30]

@Anonymous  prob good advice!!! 

[M_Smart007]

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@Anonymous wrote:

I would wait. A number of people have been declined despite the prequal and FNBO is known to be sensitive to inquiries. 

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@Anonymous,

I agree about sensitive to inquiries. The Only thing that seems to bypass this is a Pre-Approved Mailer. ..My Dp's.

[IaBoy62]

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@IaBoy62 wrote:

Did the prequalify and it came back with the secured card for 20.24%.....I included FNBO in BK discharged 12/2019 so I am not sure they will have me back....thinking about it.

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I applied for the secured card and was denied....the letter did not mention bankruptcy, but "slow pay" on previous credit programs......odd terminology to me.