@FinStar wrote:
@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
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.
Good points @FinStar. I have always had instant approval or denials. I don't ever recall seeing anything like this. It truly is like something from the 1990s or early 2000s. I'm imagining dot matrix printers and huge computer monitors running Windows 95 in that place.
Starting Score: 469Just got an email from them tonight that I was approved for $15,000. They have not given me the APR (I'm assuming 14.99%), which doesn't matter, because they will be PIF every month anyway.
Okay, I'm breathing a little easier now. 
@Junejer wrote:Just got an email from them tonight that I was approved for $15,000. They have not given me the APR (I'm assuming 14.99%), which doesn't matter, because they will be PIF every month anyway.
Okay, I'm breathing a little easier now.
See, told ya Mr @Junejer 😁
Another awesome approval. More than likely, whatever APR you received during the pre-qualification process is what you'll receive with the card.
Hopefully, you received the $200 SUB offer as well. Either way, a decent 2% cashback card.
@FinStar wrote:
@Junejer wrote:Just got an email from them tonight that I was approved for $15,000. They have not given me the APR (I'm assuming 14.99%), which doesn't matter, because they will be PIF every month anyway.
Okay, I'm breathing a little easier now.
See, told ya Mr @Junejer 😁
Another awesome approval. More than likely, whatever APR you received during the pre-qualification process is what you'll receive with the card.
Hopefully, you received the $200 SUB offer as well. Either way, a decent 2% cashback card.
You did at that @FinStar.
Yes, I got the $200 SUB offer. I should have everything in the next week or so.
I'm going to have to develop a strategy for rotating these cards and keeping them all relatively happy.
Congratulations! This message is being sent to you as confirmation that you have been approved for the FNBO Visa® credit card. |
@biznob wrote:I personally cannot ever get past the prequal page. It tells me i am prequalified for 15,000 at 18.99% but when i click the continue button i get nothing. Just stuck there. I have tried many times over the past few months and its just stuck. any suggestions?
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You have to select card. There is tiny circle above the card image, click it.
That will allow you to continue.
I'm patiently waiting for a decision. Prequalified for 15k with 14% apr. Application status is Pending. Fingers Crossed
