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

[joltdude]

@Anonymous  Its likey a request for POI...

-J

[Anonymous]

Super cool with that, if I can ever get the mail 🙃

[Bestman79]

Hello All,

In past months when I prequal it always came back as $15K & 18.24%. Never had the intentions to proceed (gardening til July 2022).  Oddly enough today I prequal again to see same limit but LOWER APR than previous prequals offered. To spice things up NOW my prequal comes with a welcome offer I haven't seen before!!  I searched most of this thread for screenshots posted and none have a welcome offer. Man this is so tempting, anyone else see welcome offer on this yet? Also what gives with the now lower apr?

Congratulations, You're Pre-Qualified!

You pre-qualified for the 1 offer(s) below. Select an offer and click the “Continue” button below to complete the application.

Evergreen® Rewards Signature Visa® Card

Apply for this card, and your benefits could be:

Credit Limit

APR1

$15,000.00

14.99%

With this card you will enjoy:

• Earn Unlimited 2% CASH BACK2 on every purchase. Every day. Everywhere.

• $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after the account is opened.2

• No rewards expiration2

• Redeem for cash back as a statement credit, ACH deposit into a checking or savings account or a check.2

• 0% introductory APR1 for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable APR1 based on the Prime Rate between 14.99% and 23.99% APR depending on your creditworthiness.

• A balance transfer fee1 of 5% applies to each balance transfer you make (minimum $10) .

• No Annual Fee1

[Trini88]

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@Bestman79 wrote:

Hello All,

In past months when I prequal it always came back as $15K & 18.24%. Never had the intentions to proceed (gardening til July 2022).  Oddly enough today I prequal again to see same limit but LOWER APR than previous prequals offered. To spice things up NOW my prequal comes with a welcome offer I haven't seen before!!  I searched most of this thread for screenshots posted and none have a welcome offer. Man this is so tempting, anyone else see welcome offer on this yet? Also what gives with the now lower apr?

Congratulations, You're Pre-Qualified!

You pre-qualified for the 1 offer(s) below. Select an offer and click the “Continue” button below to complete the application.

Evergreen® Rewards Signature Visa® Card

Apply for this card, and your benefits could be:

Credit Limit

APR1

$15,000.00

14.99%

With this card you will enjoy:

• Earn Unlimited 2% CASH BACK2 on every purchase. Every day. Everywhere.

• $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after the account is opened.2

• No rewards expiration2

• Redeem for cash back as a statement credit, ACH deposit into a checking or savings account or a check.2

• 0% introductory APR1 for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable APR1 based on the Prime Rate between 14.99% and 23.99% APR depending on your creditworthiness.

• A balance transfer fee1 of 5% applies to each balance transfer you make (minimum $10) .

• No Annual Fee1

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Weird right. In July they offered me $3800 with their highest 25.24 Apr. in August the same. Last month it was $4400 with 22.24 Apr and now when I checked it's saying $4400 with 18.99 Apr......same offer $200 with $1000 spend. Maybe it's because the holidays are coming up?

[coldfusion]

It's a generic promotion they are offering as an incentive to apply,  and yes likely timed to coincide with holiday spend.   It isn't targeted. 

If you were to go to their website and look at the splash page specific to the card you will see the promotion without attempting to prequalify.

[Anonymous]

Filled out the PQ for the heck of it today and got an offer for $15k at 18.99% along with the $200 SUB. I already have this card though and I don't know if they'll issue a 2nd one.

If they do I'll probably pull the trigger in 6 months or so when the 0% APR promo period ends on a few of my cards.

[Anonymous]

Got Pre-approved for 15K @ 18.99%  .. proceeded with the app. 

Was approved instant online for 15K @ 18.99%

I assume when the card comes in the mail it will have details to create an online account?

[FinStar]

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@Anonymous wrote:

I assume when the card comes in the mail it will have details to create an online account?

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@Anonymous-- correct.

[Junejer]

Been reading through this thread. Scratching my head on what rhyme or reason is used for approvals or denials. Got the pre-qual for $15K at 14.99% APR last night. Hit continue button and got the 2-4 week thing. Got an email at 2:24AM.

DPs are as follows:

EX FICO 9 = 840

INQs = 8 (Jan 2020 (2), May 2020, Jul 2020 (2), Aug 2020, Nov 2021 (2 including theirs))

Inc = $425K

AAoA = 8.1

AoOA = 14

0 lates

Sure wish I would've found this thread before apping. I hate unproductive HPs! I'm for sure following my instinct going forward and waiting to app for CSP and CFF after the last baddie falls off of TU shortly. While this card is intriguing, it really wasn't on my radar and

I haven't been denied yet and would be hesitant to send info via snail mail. I'd rather they ask for a 4506. At least, I know that is secured.

Edit: EX FICO 8 now at 820

[FinStar]

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@Junejer wrote:

Been reading through this thread. Scratching my head on what rhyme or reason is used for approvals or denials. Got the pre-qual for $15K at 14.99% APR last night. Hit continue button and got the 2-4 week thing. Got an email at 2:24AM.

DPs are as follows:

EX FICO 9 = 840

INQs = 8 (Jan 2020 (2), May 2020, Jul 2020 (2), Aug 2020, Nov 2021 (2 including theirs))

Inc = $425K

AAoA = 8.1

AoOA = 14

0 lates

Sure wish I would've found this thread before apping. I hate unproductive HPs! I'm for sure following my instinct going forward and waiting to app for CSP and CFF after the last baddie falls off of TU shortly. While this card is intriguing, it really wasn't on my radar and

I haven't been denied yet and would be hesitant to send info via snail mail. I'd rather they ask for a 4506. At least, I know that is secured.

Edit: EX FICO 8 now at 820

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It's not a bad sign Fingers crossed it turns out into an approval for you. I think in some cases they may ask for additional verification docs and in extreme cases W2's. Definitely keep us posted @Junejer. Only a couple of mine were ever instant approvals, the rest resulted in these pending notifications which eventually led to approvals.