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

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Anonymous
Not applicable

Re: fnbo Rewards Pre-Qual App (Pending)


@ficosuave wrote:

FWIW, I just tried the prequal myself and the offer was for $11,300 and 18.24%.

 

Gardening now, with a summer SUB in mind (but still good to know). Anyhow, good luck.


That's exactly the numbers and wording I got today. Have you heard more @ficosuave?

Message 281 of 331
TryItAgain
Regular Contributor

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


@barko78 wrote:

@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?? Smiley Happy

 

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

 


What was your credit score @TryItAgain ?


Good question @barko78  I went back and looked at my MyFico history on recent report.  Says I was only 710 at the time and it was Experian.

(Ch7 Discharged 12/12) AvgScore 807

Personal-
NFCU Platinum 50k | NFCU Flagship 20k | NFCU More Rewards 10k | NFCU NavChek PLOC 15k | PenFed Power Cash 25k | PenFed Gold 15k | PenFed Pathfinder 10k | PenFed OLOC 3K | GTE Financial CU 15k | VyStar CU Cash Back 25k | VyStar CU PLOC 15k | FNBO Evergreen 25k | FNBO 11.85K | BofA Cash Rewards 10.1k | Capital One Venture 13k | Capital One QS 7k | PNC Cash Rewards 15.5k | Citi Costco 8.5k | US Bank Cash+ 10k | Discover 14.8k | Discover 14.1k | Regions Cash 6k | Truist Enjoy Cash 9k | Truist Future 6.5k | Elan Max Cash 7k | Wells Fargo Reflect 20k | Fifth Third 7k | USAA PrefRew 15k | CFNA Tires Plus MC 8k | GM Rewards 3.5k | TD Bank Cash 3.5k | Amex BCP 3K | Lowes Store 30k | Sleep Number Store 13.5k | Home Depot Store 10k | Amazon Store 10k | Care Credit 15k | Walmart Store 6k | JCrew 25k | Jared 18.6k | HSN 4.1K | King Size 4k | Buckle 3.1k

Business-
Amex BBC 25k | Amex BBP 22k | Amex Business Platinum NPSL 30.4kPoT | Citizens Business Everyday 35k | Sams Club Business MC 25K | US Bank Business Plat 24k | Capital One Spark 2% 22k | Marcus GM Business 12.5k | Capital On Tap 2% 10k | Chase Ink 3k | Divvy 7k | PNC BLOC 50K | Citizens BLOC 50K | (Private) BLOC 75K | WEX Business Access Fuel 30k | Sams Bus Store 25k
Message 282 of 331
mmmagique
Regular Contributor

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

Data points here:

I was prequalified on 9/29 for 15,000 and not sure about interest rate but I thought it was high. 

I went ahead and apped, and went to the 7-14 business days. On Thursday 10/2, I received an email that I was approved for the same amount and interest rate that I prequalified for. The card will be here tomorrow, according to Informed Delivery. 

My Experian Fico (at the time) was somewhere between 680 and 690. Inquiries were 1/24 (although I apped the same day for a Chase card) They did not ask me for any documents. 

I just wanted to say that I *think* my FICO score must have been higher than between 680 and 690 at the time I applied, because I had several (3) apps recently and my Experian score today is 690. I'm sure it had to take a hit from the apps.






In the garden until May 2022!!
Message 283 of 331
Anonymous
Not applicable

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

Has anyone who already had one FNBO card had to send in docs after 2nd card approval? Thank you. 

Message 284 of 331
Anonymous
Not applicable

Re: fnbo Rewards Pre-Qual App (Pending)


@kaylord84 wrote:

I applied and was pre-approved for $15k my ex fico 2 is 686 with a discharged bk (March 2017) and got the pending review message. Just checked my email and it says I'm approved. Thanks op 


How long did the approval take @kaylord84?

Message 285 of 331
Sub16610
Established Contributor

Re: FNBO Rewards Pre-Qual App Data Points

Curious as to what bureau/s FNBO pulls!  Thanks a lot!

Message 286 of 331
FinStar
Moderator Emeritus

Re: FNBO Rewards Pre-Qual App Data Points


@Sub16610 wrote:

Curious as to what bureau/s FNBO pulls!  Thanks a lot!


Experian

Message 287 of 331
BessTruman
Regular Contributor

Re: fnbo Rewards Pre-Qual App (Pending)


@Remedios wrote:

Well, I think they are just throwing $15,000.00 around because that's also what I got on prequal. 

I think outcome of application might  wildly differ from prequal 


This happened to me.  When I finally got the card it was for $5600.   This was 1 week after I prequalified for $15,000.

Message 288 of 331
Dp23
Regular Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Finally applied yesterday after I prequalified for $6300 & got the 2-4 weeks notice. I checked today & it's still pending. I decided to call & was told no info needed so far.

Message 289 of 331
Dp23
Regular Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Update: Declined a few minutes ago. It's ok I got 11k combined from Discover for the IT card & Cap1 for the Savor One last two months.

Message 290 of 331
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