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

Mr_Mojo_Risin
Senior Contributor

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


@gregorius wrote:

@Mr_Mojo_Risin wrote:

I thought I read this card has a 25.00 min redemption. 

Can anyone confirm that?


From the Summary of Credit Terms (unless someone with the card can show otherwise):

Points can be redeemed for (collectively, the “Rewards”):
• Cash back (in 2,500 point increments equaling $25)

    o as a statement credit to the Account,
    o an ACH deposit to any checking or savings account (ABA routing number required), or

    o as a check sent by mail

• Gift cards/certificates
• Merchandise
• Other goods and services


Thanks for taking the time to add those DP's. 

If you use it enough, shouldn't take too long to reach. I'd rather have no min redemption which I'm sure is most cardholders.

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 6K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 41 of 304
alessandrom
Contributor

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

I think is accurate. I was just pre qualified for 6300 SL and decided to go through with the application. It was approved a couple of hours later same credit limit. This is my highest limit and first prime credit card since starting my credit rebuilding journey. All of my other cards are 300 and 500 limits. 




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750
Message 42 of 304
justjac2
Regular Contributor

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

Congratulations, @alessandrom!!



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 43 of 304
kdm31091
Super Contributor

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

Also seeing the same 15k preapproval which makes me question how legit it really is. Even those who were "preapproved" may have been approved regardless. Who knows. 

Message 44 of 304
chuckwood
New Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

I have not recieved a letter yet. I just got a email that said I was denied 

Message 45 of 304
Fated4Credit
Regular Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

I just tried their pre-qual tool I was intrigued by the card just because green is my favorite color & its very rare to see credit cards in green. If I do app in the future looking out for another 2% to go along with my PPMC. No offers came up.  The said I'll get a letter in 7-10 business days explaining why 🤨 maybe its a location issue, I'm in NY so who knows, but I don't think its a big deal for them to send out a letter seeing as how I wasn't actually applying but whatever lol. 

Discover: $11,600
Cap One QS: $1811
CFU: $8,000
PPMC: $10,000
US Bank Cash+: $9,000
AAOA: 2.5 yrs
Experian (fico 8) 756
Transunion (fico 8) 745
Equifax (fico 8) 750
Message 46 of 304
ImTheDevil
Community Leader
Super Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@Fated4Credit wrote:

I just tried their pre-qual tool I was intrigued by the card just because green is my favorite color & its very rare to see credit cards in green. If I do app in the future looking out for another 2% to go along with my PPMC. No offers came up.  The said I'll get a letter in 7-10 business days explaining why 🤨 maybe its a location issue, I'm in NY so who knows, but I don't think its a big deal for them to send out a letter seeing as how I wasn't actually applying but whatever lol. 


Being in NY may well be the reason as it's outside their geofence. I'm also in NY but circumvented the geofence via a targeted mailer offering a card, which I took. I think that may be why trying this prequal worked for me, as I'm an existing cardholder through their procedure of becoming one while outside their normal operating area.



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 47 of 304
1GaDawg85
Valued Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

just offered me $15k at 22% through the pre-qualification page. 

 

Thanks but no thanks FNBO (currently going for a mortgage)



FICO 5 ,4, 2 - 9/2021

FICO 8 - 9/2021

FICO 9 - 9/2021
Message 48 of 304
disney2
Regular Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

I got the $15k limit too but they wanted secured.  I closed the screen because I have $15k for Penfed without being secured.  No thanks!

Message 49 of 304
spiritcraft1
Valued Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@spiritcraft1 wrote:

FYI: They use EX F09 Bankcard scores exclusively.  The DW has personal and Biz cards with them.  I did a prequal for each of us, I had 15K and 22% but she had a 15k at 14% .  We are within the footprint geo-wise.


Right after this post, I went back and applied for real.  I figured why not with one EX INQ in the last year and being that the 15k would be my highest limit.  The interest rate is not of concern as it would be paid in full.  It went pending and is still pending.  Who knows what that means?


|Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k
Message 50 of 304
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