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

justjac2
Contributor

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

So there's a new post in the giant pre-qualifier thread for fnbo, and since I have no self-control lately, went ahead and tried it. I was pre-qualified for $15K Evergreen Rewards card with 2% cashback.  The app went under review, said I'll hear something in 2-4 weeks. I'm not holding my breath since I just got a card from them back in October, and have opened at least 6 new accounts since then (yes, I know). EX pull, 760 FICO 8, 14 inquiries now.  I'll update when I get a decision.

 

ETA: here's the link to the post

https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-pull-PREAPPROVALs-Updated-4-20-21/td-p/5...



Ch13 filed Jun 2013, discharged July 2018.
1/1/2021 FICO 8 scores: EQ 751, TU 770, EX 746
Newest account: HM Bradley, Oct 2021.
Goal card: Elan Max Cash, Jan 2023
Message 1 of 297
296 REPLIES 296
AddictedToApprovals
Frequent Contributor

Re: fnbo Rewards Pre-Qual App (Pending)


@justjac2 wrote:

So there's a new post in the giant pre-qualifier thread for fnbo, and since I have no self-control lately, went ahead and tried it. I was pre-qualified for $15K Evergreen Rewards card with 2% cashback.  The app went under review, said I'll hear something in 2-4 weeks. I'm not holding my breath since I just got a card from them back in October, and have opened at least 6 new accounts since then (yes, I know). EX pull, 760 FICO 8, 14 inquiries now.  I'll update when I get a decision.

 

ETA: here's the link to the post

https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-pull-PREAPPROVALs-Updated-4-20-21/td-p/5...


Fingers crossed buddy! 

EX: 810 F8 - 3 inquiries
EQ: 802 F8 - 2 inquiries
TU: 799 F8 - 7 inquiries

Message 2 of 297
FinStar
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)


@justjac2 wrote:

So there's a new post in the giant pre-qualifier thread for fnbo, and since I have no self-control lately, went ahead and tried it. I was pre-qualified for $15K Evergreen Rewards card with 2% cashback.  The app went under review, said I'll hear something in 2-4 weeks. I'm not holding my breath since I just got a card from them back in October, and have opened at least 6 new accounts since then (yes, I know). EX pull, 760 FICO 8, 14 inquiries now.  I'll update when I get a decision.

 

ETA: here's the link to the post

https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-pull-PREAPPROVALs-Updated-4-20-21/td-p/5...


I know the feeling 😜. Did it provide you with a CL and APR on the pre-approved results?

Keep us posted 👍

Message 3 of 297
justjac2
Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Thanks, @AddictedToApprovals and @FinStar! The CL was $15K but I don't remember the APR. I should have taken a screenshot before completing the app 🤦🏾‍♀️



Ch13 filed Jun 2013, discharged July 2018.
1/1/2021 FICO 8 scores: EQ 751, TU 770, EX 746
Newest account: HM Bradley, Oct 2021.
Goal card: Elan Max Cash, Jan 2023
Message 4 of 297
FinStar
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)


@justjac2 wrote:

Thanks, @AddictedToApprovals and @FinStar! The CL was $15K but I don't remember the APR. I should have taken a screenshot before completing the app 🤦🏾‍♀️


No worries @justjac2, nice SL offer btw.  Sending positive vibes your way with the app👌

Message 5 of 297
Remedios
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)

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 

Message 6 of 297
ficosuave
New Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

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.



Message 7 of 297
Jnbmom
Community Leader
Super 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 


I just tried it prequalified for 15K and also did  DH, trouble is he was denied for this card a few weeks back 🙄So unfortunately I don't think this is accurate .

EXP 758 TU 783 EQ 729
Message 8 of 297
M_Smart007
Epic Contributor

Re: fnbo Rewards Pre-Qual App (Pending)


@Jnbmom wrote:

@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 


I just tried it prequalified for 15K and also did  DH, trouble is he was denied for this card a few weeks back 🙄So unfortunately I don't think this is accurate .


I think the APR is accurate, several new accounts in the last 6 weeks.

I am a high risk flyerSmiley Tongue

 

(click image to enlarge)(click image to enlarge)

Message 9 of 297
Hex
Established Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

It looks like 18.24% is the lowest APR they offer for this card. I've only made one previous FNBO application . I got denied for the Overstock MasterCard when they used to have it but that was about 4 years ago. I was ticked so I closed my Overstock store card and I haven't shopped there since. I don't really hold grudges that long but the site seems overpriced to me and I can never find any discount codes for that site. But I digress, I do think this is probably a fairly solid preapproval. I can't apply because I'm not currently taking on any new accounts (I refuse to use the "G" word). Maybe others will take the plunge. 

1FBC38FF-FCDB-416C-87AE-167B4CBC3ED9.jpeg

 

Message 10 of 297
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