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

[Anonymous]

@mau471 

After they ask for ID and POI you usually get an approval. The UW will review and approval email sent. Fingers crossed for you. You can also call them and email or fax documents to UW for faster processing. Good luck 🍀 😊

[TryItAgain]

I know the answer but silly question here...

I got the same offer of $15k limit couple weeks ago and I accepted it, card arrived and have already used the 0% balance transfer offer, everything went great.

But... Just for giggles I went back the pre-qual site today and did it again, it offered me the same 15k offer a 2nd time.  Of course I am not going to accept it, as before a 2nd card were issued I am sure someone wouch catch that in underwriting. Riiigghht???

Or are you 'sayin theres a chance' FNBO??

I mean has anyone every tried to get 2 of these Evergreen cards? I'm sure no way but figured I'd ask.

[FinStar]

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@TryItAgain wrote:

I know the answer but silly question here...

I got the same offer of $15k limit couple weeks ago and I accepted it, card arrived and have already used the 0% balance transfer offer, everything went great.

But... Just for giggles I went back the pre-qual site today and did it again, it offered me the same 15k offer a 2nd time.  Of course I am not going to accept it, as before a 2nd card were issued I am sure someone wouch catch that in underwriting. Riiigghht???

Or are you 'sayin theres a chance' FNBO??

I mean has anyone every tried to get 2 of these Evergreen cards? I'm sure no way but figured I'd ask.

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It's likely the system will flag it as a duplicate application since you were already approved a couple weeks ago.  Maybe if you wait past the 30-day application period?  Or, maybe for science, you can test your username's moniker and try it again?🤷‍♂️

[Duriel]

It preapproved me. Newest account is 2 months though so I don't think I'll try yet  

[RASULL12]

Just to add my experience to this thread. About a month ago I tried the prequal and was given $15,000 at 22.xx% I waited it out since I had just opened a few accounts the past few months (NFCU MR and Verizon Visa) then I checked it again about 2 weeks ago and now it was $15,000 at 18.xx%.  so then I pulled the trigger and it went pending. After about 48 hours it went to denied. Just received my letter and it stayed too many inquiries. Pulled EX 797 which I have 6 inquiries on. Seems to me that they are sensitive to new accounts and inquiries. 

[Anonymous]

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@RASULL12 wrote:

Just to add my experience to this thread. About a month ago I tried the prequal and was given $15,000 at 22.xx% I waited it out since I had just opened a few accounts the past few months (NFCU MR and Verizon Visa) then I checked it again about 2 weeks ago and now it was $15,000 at 18.xx%.  so then I pulled the trigger and it went pending. After about 48 hours it went to denied. Just received my letter and it stayed too many inquiries. Pulled EX 797 which I have 6 inquiries on. Seems to me that they are sensitive to new accounts and inquiries. 

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Thanks for the DPs and sorry for your denial.

How many new accounts (x/3, x/6, x/12) and how recent was the most recent one?

Sorry again.

[RASULL12]

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@Anonymous wrote:

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@RASULL12 wrote:

Just to add my experience to this thread. About a month ago I tried the prequal and was given $15,000 at 22.xx% I waited it out since I had just opened a few accounts the past few months (NFCU MR and Verizon Visa) then I checked it again about 2 weeks ago and now it was $15,000 at 18.xx%.  so then I pulled the trigger and it went pending. After about 48 hours it went to denied. Just received my letter and it stayed too many inquiries. Pulled EX 797 which I have 6 inquiries on. Seems to me that they are sensitive to new accounts and inquiries. 

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Thanks for the DPs and sorry for your denial.

How many new accounts (x/3, x/6, x/12) and how recent was the most recent one?

Sorry again.

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Most recent was about 2 months old. I was 2/3, 3/6 and 6/12. I knew from what I read that I shouldn't have apped. I had also received a mailer for their platinum card I think. The 1% cash back card they offer but wasn't interested in that card. Either way it's time to cool off in the garden for the next 12-24 months for me. Especially since after this denial I applied for a penfed PCR which I did get approved for $25k. 

[RealEstateGuy89]

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@mau471 wrote:

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@RealEstateGuy89 wrote:

I initially applied on 05-22-21 and I received a letter in the mail today from FNBO. It said the process my application for the credit limit that I requested, please supply copies of the following documents:

• Copy of Drivers License Verifying Your Mailing Address
• Signed Copy of Your Original Social Security Card
• Your W-2s from the Last 2 Years

It said that I needed to reply within 20 days of the date of the letter and that they would give my application prompt attention. When I pulled the mail out of the mailbox today, I thought that it was a denial letter. From the looks of it, maybe I do have a shot of getting approved. I have already made copies of all 3 requested documents and I am going to put it in the mail tomorrow.  Fingers crossed and hoping I will end up approved.

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I got the same letter, fingers crossed for both of us.

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I sent the letter back with all the requested docs the day after I got the letter I think and they should have it now or be getting it today.  I've never been asked for any docs before so it will be interesting to see the outcome. I'll let y'all know what I find out and if it was the same numbers as was given to me in the prequalification.

*Definitely have fingers crossed that we both get this card. I will probably PIF but it will give me the emergency cushion I need so badly for my business right now. If I am right, I should be out of this gray area that the pandemic brought on by fall so it should be short term.

[RealEstateGuy89]

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@Anonymous wrote:

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@RealEstateGuy89 wrote:

I initially applied on 05-22-21 and I received a letter in the mail today from FNBO. It said the process my application for the credit limit that I requested, please supply copies of the following documents:

• Copy of Drivers License Verifying Your Mailing Address
• Signed Copy of Your Original Social Security Card
• Your W-2s from the Last 2 Years

It said that I needed to reply within 20 days of the date of the letter and that they would give my application prompt attention. When I pulled the mail out of the mailbox today, I thought that it was a denial letter. From the looks of it, maybe I do have a shot of getting approved. I have already made copies of all 3 requested documents and I am going to put it in the mail tomorrow.  Fingers crossed and hoping I will end up approved.

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This is often a good sign, going by posts here in the past. Long as your stats are verifiable against what you claimed on the application you likely have pretty good odds.

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Thank you, man I sure hope so!  Anticipation is sure getting the best of me this time... 

[creditguy86]

So I just prequalified for the Evergreen card for 6300 limit. I completed the application and it said should receive written response in 2 to 4 weeks. Is that a bad sign?