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

justjac2
Regular Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

I got an email a few minutes ago that a decision had been made. Filled out the form, hit the button, and .... "Pending". Whaaa??

 

UPDATE: Just checked again and it was denied. It probably wasn't done baking lol! No biggie, it was expected but would've been nice 😁



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 21 of 304
justjac2
Regular Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

Congratulations, @kaylord84 !!



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 22 of 304
Anonymous
Not applicable

Re: fnbo Rewards Pre-Qual App (Pending)

Not bad for my high DTI right now. 

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Message 23 of 304
Credit-hoarder
Valued Contributor

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

 


I got this exact same pre-approval--$15k and 18.24%. That APR is right up there with my Venture cards and is a little too high for my liking--plus I already have a $25k 1.5% CB card with FNBO + I did use the "G" word following my Apple Card approval post yesterday. So I'm going to continue using my Fidelity card and sit this one out also.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 24 of 304
Jnbmom
Community Leader
Super Contributor

Re: fnbo Rewards Pre-Qual App (Pending)


@justjac2 wrote:

I got an email a few minutes ago that a decision had been made. Filled out the form, hit the button, and .... "Pending". Whaaa??

 

UPDATE: Just checked again and it was denied. It probably wasn't done baking lol! No biggie, it was expected but would've been nice 😁


Sorry OP I that makes me really believe these are actual not  preapprovals 😞

EXP 758 TU 783 EQ 729
Message 25 of 304
Shooting-For-800
Senior Contributor

Re: fnbo Rewards Pre-Qual App (Pending)

"Preapproved" for $15k at 22.9%

HP = 2-4 week notice.

Just got 4.99% for life blank checks from them on ducks card.

Who knows?

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture


Message 26 of 304
FinStar
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)


@Shooting-For-800 wrote:

"Preapproved" for $15k at 22.9%

HP = 2-4 week notice.

Just got 4.99% for life blank checks from them on ducks card.

Who knows?


Just FYI - per your update on the approval, that post has been moved to the Approvals section.

Message 27 of 304
CreditCuriosity
Moderator

Re: fnbo Rewards Pre-Qual App (Pending)

Bored and can't take a HP due to mortgage loan for still quite some time to go so had to get my fix.  Same as alot of other 15k @ 18.x APR.  Experian 08 around 800

Message 28 of 304
MyDataMyChoice
Valued Contributor

FNBO Prequalified for 15K @ 22.24 - didn't pull the trigger (yet)

evergreen.JPG



+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 29 of 304
Titanup
Regular Contributor

Re: FNBO Prequalified for 15K @ 22.24 - didn't pull the trigger (yet)

Did the pre qualified thing and got 15000 at 18.2 apr.  






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Fico 9 exp 748 Tu 748
Message 30 of 304
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