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

[padme]

about a month ago hit the prequal link, standard 15k offer at 16% scores in  mid 600s 15+ hard pulls in last two years. immediately leave you hanging until email shows up a week later.. approved. for the whole 15k. shocked.. btw was always denied before, bk in 2013 in small limit 

[CreditJourney007]

To add some DP's:

I applied on 6/25 after prequalifying for $12,000 with a 25% interest rate

Went ahead and applied since I could use a 2% cb card

Went to pending, but approved for the full amount today!

EXP: 682 Fico 8

Util = 19%

AAoA: 5 years 10 months

Inquries: 4/6 months, but overall 19/24 (bought a car in Dec 19 and shopped around, which is the bulk of them). 

[RealEstateGuy89]

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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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I had my first FNBO card for around 4 months or so when I applied and was approved for the Evergreen second card with the $15k limit.

[Anonymous]

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@RealEstateGuy89 wrote:

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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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I had my first FNBO card for around 4 months or so when I applied and was approved for the Evergreen second card with the $15k limit.

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That was also my experience with them, coming at the five-month mark. Card arrived today BTW, eight days after approval, for anyone curious on a timeline. Sent from Omaha, NE (imagine that) to my home in NY.

Nice-looking card too.

[Dmessina666]

Haha just got mine today. No clue it was the Evergreen Sig. 

A lot of firsts for me with this approval. Went ahead and closed EBay MC, Barclays, and Quicksliver. Beautiful. 

[Anonymous]

Has anyone had experience with timeframes or other data points. I got the 2-3 weeks message after being preapproved just now. 

[Anonymous]

It should take a few days, they may need to verify your address, identity so you can call them for an update on your application status after a few days. Good luck! 
🍀 😊

[CreditJourney007]

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@Anonymous wrote:

Has anyone had experience with timeframes or other data points. I got the 2-3 weeks message after being preapproved just now. 

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Mine took 1 business day for full approval. Others have had to validate identity. 

[RealEstateGuy89]

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@Anonymous wrote:

Has anyone had experience with timeframes or other data points. I got the 2-3 weeks message after being preapproved just now. 

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Mine seemed to take a while but I was pretty anxious to get it. I had to send in copies of my W-4 form and a signed copy of my Social Security card. After I mailed them back, it went faster and I was approved pretty quickly. Got my card about 8 to 10 days later and it was definitely worth the trouble that I went through to get it.

[4sallypat]

I pre-qual and got the same pre-approval image as others - is that a canned response ?