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

[tussking]

I got the same message 15k pre-approval.

[Anonymous]

Not a bad sign it just means they need to verify your identity, income or further review. Call them tomorrow if I were you. Good luck 🍀 

[Shooting-For-800]

Took me 12 hours for approval.

GL!

[creditguy86]

Okay, I'll call here in a few, i'll let you guys know the outcome. 

[mau471]

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@RealEstateGuy89 wrote:

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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.

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I got the approval email today for the full 15k at 18.24% so once they get your information you should be good to go. 

Kind of surprised to be honest since everyone says they are new account sensitive and I am 4/6 all reporting. 

[creditguy86]

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@creditguy86 wrote:

Okay, I'll call here in a few, i'll let you guys know the outcome. 

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Declined

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[KA14]

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@creditguy86 wrote:

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@creditguy86 wrote:

Okay, I'll call here in a few, i'll let you guys know the outcome. 

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Declined

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It may not be over for you. I was declined the night after my verification phone call and then got my approval email the next morning. It was bizarre ¯\_(ツ)_/¯ 

[creditguy86]

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@KA14 wrote:

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@creditguy86 wrote:

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@creditguy86 wrote:

Okay, I'll call here in a few, i'll let you guys know the outcome. 

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Declined

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It may not be over for you. I was declined the night after my verification phone call and then got my approval email the next morning. It was bizarre ¯\_(ツ)_/¯ 

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So are you saying I should call? There's a chance? Maybe? lol

[tussking]

Strange is was pre-approved after I unlocked my EXP but then declined the next day YET NO HARD PULL on EXP?

Do they pull EQ or TU in FLA?

[FinStar]

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@tussking wrote:

Strange is was pre-approved after I unlocked my EXP but then declined the next day YET NO HARD PULL on EXP?

Do they pull EQ or TU in FLA?

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They pull EX almost exclusively.  Although, in the past they have been known to pull TU (rare though).  Is it possible your EX was still locked (i.e. timing) when the application was submitted?  Often times folks have reported a time lag when unfreezing CRs. 

You may need to reach out to them just to confirm.