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

macinjosh
Senior Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

I pre-qual'd for $7,500 and 25.24%. I just got a card from them in January. I don't know if I should dare to or not? 🤣






Samsung Financing TD Bank $3,200




Message 11 of 304
Jnbmom
Community Leader
Super Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

I am still leaning towards just a prequalified offer I don't think this is in anyway an actual preapproval.

EXP 758 TU 783 EQ 729
Message 12 of 304
Remedios
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)


@Hex wrote:

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

 


 

 

Same here, and like I said, I don't think this is pre-approval, more like *it could be this*

 

Screenshot_20210420-200330_Samsung Internet.jpg

Message 13 of 304
Remedios
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)


@Jnbmom wrote:

I am still leaning towards just a prequalified offer I don't think this is in anyway an actual preapproval.


^^^ I'm with her Smiley LOL

Message 14 of 304
rostrow416
Frequent Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Good luck with the app!

 

I don't know how accurate the pre-qualified is, but I got 14k and 25.?? when I tried.  I've been denied by FNBO late last year (way too many inquiries/new accounts for their liking), so I'll hold off until another time.

 

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $5,000 | Capital One BuyPower $950 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 15 of 304
ImTheDevil
Community Leader
Super Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Tried the prequal, also saw $15k at 22.xx%. Got my first card in January with them for $9400, so who knows?



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 16 of 304
dsotm76
Frequent Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

image_2021-04-21_130226.png

 

I'm not a fan of FBNO/FBC (the division of FBNO) at all.  However, I am a fan of pre-quals/pre-approvals.  It just makes me feel good.  I got the one above.  Not part of the $15K club, but not bad at all.  Not really a card that I need, but hey...nice to feel wanted if they approved it.  I see the fun wording of "your benefits could be..."  Smiley Very Happy

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 17 of 304
mjoey2000
Valued Member

Re: fnbo Rewards Pre-Qual App (Pending)

Similar to @RemediosSimilar to @Remedios

 

Screenshot from T&CScreenshot from T&C

 

Message 18 of 304
mjoey2000
Valued Member

Re: fnbo Rewards Pre-Qual App (Pending)

I believe if you're within the general parameters of FNBO's velocity/inquiries, you should be just fine. Notwithstanding that, I still believe it's better than a typical pre-qualification, and not a preapproval.Double SPDouble SP

 

Wonder if anything is different besides the ZIP codes, or if each data center location assess a different aspect of the prequal (i.e. for CL, and one for interest rate). Didn't see any SP on Transunion or Equifax. Of course, it may not have shown up yet, and it's likely an application would SP EQ and TU for good measure, if not additional HP.

Message 19 of 304
kaylord84
Frequent Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

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 


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 723 TU 665 Ex 682
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 20 of 304
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