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

[Anonymous]

I prequal'd for $15,000 on the Evergreen awhile back when the link was first shared here. I've checked it a few times since and always had the same result. Did it again just now and went for it - approved for the full $15,000. Pulled EX here in NY, and as an existing FNBO Prime Visa holder since 1/24/2021, the EX09 score in my app, pulled eleven days ago, was 748. I was 7/12 for new cards going into it.

[Dmessina666]

Did prequal 6/21. $14k prequal and I pulled the trigger. 

I got a 10-14 day notice and said oh well. Not even 24 hours later, today, got an email saying approved for $14k. 

complete and utter shock. 

12/24 which includes a new car and house. Utilization is 22%. 

No lates or derogs for 54 months. Highest limit ever on a revolver. 

[gingerflower]

@Anonymous 

Just for the heck of it I went on the FNBO Prequalfy Site and had a Congratulations you are prequalifed  for $15,000  with a 16.99 Apr  I have a Prime FNBO Signature account since 4/2020 I might just bite the bullet! BTW Congratulations on your monster approval!

[Anonymous]

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@gingerflower wrote:

@Anonymous 

Just for the heck of it I went on the FNBO Prequalfy Site and had a Congratulations you are prequalifed  for $15,000  with a 16.99 Apr  I have a Prime FNBO Signature account since 4/2020 I might just bite the bullet! BTW Congratulations on your monster approval!

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Sounds promising! I have no depository history with FNBO but I have had the Prime Visa since late January. Still was surprised to hit the full $15k when I haven't even had the Prime long enough yet to qualify for a CLI. Please post up if you get the card. I will say I've been very satisfied with my FNBO experience so far.

[Jnbmom]

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@Anonymous wrote:

I prequal'd for $15,000 on the Evergreen awhile back when the link was first shared here. I've checked it a few times since and always had the same result. Did it again just now and went for it - approved for the full $15,000. Pulled EX here in NY, and as an existing FNBO Prime Visa holder since 1/24/2021, the EX09 score in my app, pulled eleven days ago, was 748. I was 7/12 for new cards going into it.

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Congrats))))

[gingerflower]

@Anonymous 

Definitely will post if I decide to take the offer. Regarding 1st FNBO be sure  to wait 6 months b4 requesting CLI. So far I got second CLI with my first FNBO acct.

[Anonymous]

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@gingerflower wrote:

@Anonymous 

Definitely will post if I decide to take the offer. Regarding 1st FNBO be sure  to wait 6 months b4 requesting CLI. So far I got second CLI with my first FNBO acct.

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@gingerflower are the CLIs for FNBO soft pull? I currently have a SpeedyRewards MC serviced by FNBO that I opened about 6 years ago and it is still at the initial starting limit of $2,500. I did the FNBO prequalify and it shows $15k SL. Don't really need the card right now, but it would be nice to increase my limit on my current card.

[FinStar]

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@Anonymous wrote:

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@gingerflower wrote:

@Anonymous 

Definitely will post if I decide to take the offer. Regarding 1st FNBO be sure  to wait 6 months b4 requesting CLI. So far I got second CLI with my first FNBO acct.

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@gingerflower are the CLIs for FNBO soft pull? I currently have a SpeedyRewards MC serviced by FNBO that I opened about 6 years ago and it is still at the initial starting limit of $2,500. I did the FNBO prequalify and it shows $15k SL. Don't really need the card right now, but it would be nice to increase my limit on my current card.

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They're typically SP if there's an offer on your account.  You would need to speak to a live agent to see if there are any SP CLI offers available.  If there are, they'll let you know.  Otherwise, it'll be a HP if you decide to proceed without an offer.  Online CLI requests are also HP -- just FYI.

[gingerflower]

@Anonymous 

My second CLI was a SP bcuz after the 6 months after opening the account I was asked to update my income so I did and got auto increase without hard pull. If you request thru customer service or online it will be a HP. Maybe others who have FNBO can also chime in their experience with FNBO. 

[FinStar]

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@gingerflower wrote:

@Anonymous 

My second CLI was a SP bcuz after the 6 months after opening the account I was asked to update my income so I did and got auto increase without hard pull. If you request thru customer service or online it will be a HP. Maybe others who have FNBO can also chime in their experience with FNBO. 

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Just to clarify @gingerflower, requesting a CLI through customer service does not result in a HP *if* the account qualifies for a SP CLI.  There has to be an offer available for it to be SP.  Otherwise, as I mentioned upthread, if there is no SP CLI offer, then one can still proceed and request it, but at that point it will be HP.  Online requests have been reported to be HP fo sure.