FNBO offer in mail, Called First Bankcard and uses FICO 9. What to do? 🥺

[Anonymous]

Okies. I said "garden".
I mean right? We all say "garden", but it's kinda like hugging your Gramma and saying "Thank you" for wool socks, or opening the door for someone and saying "Here you go! You're welcome!" Even tho they never said "Thanks" back.
It's something you mean out if a social obligation, to the world, or God, or ... your OB/GYN. 😂
It's just words. Actions, however ...
I have been eyeball every effing Japanese or Asian airline, ANA, JAL, Singapore, Asiana etc, and almost ALL are FNBO cards!
You guys act like they are the super watchful Gringots Goblins that protect the banks in Harry Potter books! All strict and super careful. 🤔🤨😥
Scary. But I got a thingy in the mail today for a First Bankcard Plat MC, no APR till Sept. 2020, and all done through their owners at FNBO! 😳
Like, a holy grail ... or whatever a grail is. 😇
Aaand, like I REALLY want an ANA card, in fact, almost EVERY card overseas in US form is FNBO (or BofA).
Dammit! 😠 However, I JUST got my new Nordy's, my new Amazon, and my PC to the Citi Rewards+, 2 cards of which haven't even arrived!
Like, ... too many recent Inqs, RIGHT?
Plus, my FICO 9 scores will be used. 😃
All are 775 - 800+!!! Like , .... 😯
Tell me NO! I have an Inq drop off June 23rd, and one dropped on May 26th, but it's the NEW cards that are bad, right?
Plus! I am a Krisflyer member, card carrying! 👍😁
ANA, Singapore and JAL too.
And Citi is offering that AA World Elite MC, but by the end of July ...
And , and, ... *sniff*
Like, if I wait to re-app for travel cards, how long to wait? I wanna book for Japan by the end of October, and I was thinking since Chase laughs in my face all too often, Citi TY points, Venture Miles, and Amex Hotel/Airline/Plat MRs transfer really well!
Also, ... those damned FNBO airline cards. 😭

I dunno. Blowing off steam. And housework.
Laundry. Responsiblity.
Things I'll never do in Japan. 🤞
Okay. If I have to wait for the FNBO type, how long and like, ... what to expect?
Mmkay, luv y'all! 😘😘😘

[Meanmchine]

I have no clue as to what FNBO looks for or what your chances are.

I just wanted to say your post is the most entertaining post Ive read in a long time.

Id love to go to Japan also

[Anonymous]

I DO try! 😃
I've seen the head honchos, the status quo credit card gurus, ... the ones with the pretty, pretty princess graphics on their signatures up in this mug, and I figure, ... kill 'em with comedy.
Yes, that's it. 😈
And, yessum! Japan is THEE best place to visit!
Or live.
If you're Japanese. ✌😂
Heh. *laughs nervously, highly aware of possible yakuza-ninja-for-hires waiting for me in the trees*
😳 🤫🥺
Yeah. But it figures Japan would use FNBO instead of Wells Fargo.
Cuz, ... who wouldn't??? 🤔🤨🤗

Possible answer: people nostalgic for covered wagons. 🤠
Sank yoo velly mush! 😁

[FinStar]

Given the recent inquiries and newly obtained accounts, I would definitely not try FNBO for a while.  It will be a sure decline.  Based on DPs and how FNBO operates, ~9 months *minimum* from your most recenly opened account and definely watch your inquiries as they tend to use EX.

[Anonymous]

Yeah, I noticed there's a pretty severe mad crush on Experian pulls lately. I can only find like, Comenity cards on my EQ inqs, and multi-pulls like Cap1 on TU. Or PayPal, etc.
*sigh* 9 full months before I can birth myself a FNBO baby. 😞

Thanks Doc! 🤗 👍

[Anonymous]

I got a denial last time for 6 inq's in 6 mo's.  They're very very tight on handing out cards.  If you're going to get your inq's down beyond that you might as well shoot for picking up a USB card as well around the same time.

[Anonymous]

@Obcsure-Expert - Here's my Soylent Coffiest midnight ramble.

Well, I had like 6 on EX, and 2 "dropped" or are to be in a few days (although they STILL show on the list!) And I have my mortgage pulls on my house from Aug 18, 2 to 3 collectively (depending on the CRA).
But my mom (STUPIDLY) went to EnergySage to "inquire" about both a new T2 Powerwall and a T3 car loan, and used my SS# to get a co-quote!!! 😠😡🤬
But that shows up as a rennovation inq of some sort. 🤔
If those 2 other cards finally drop off, I'd have 4 card Inqs or less across the board, including the 3 added in the last 2 months. 😓😞😔
The only other listings are from my 2 Cap One cards (one which will also drop Nov.).
How long should it take EX (and the rest) to drop those damned 2 yr old inqs??? 😱🤯😳

Anyway. So, yeah. 🤨 *venting*
I guess I'm pretty screwed, blued, and tattooed until ... maybe Sept or Oct? Those new cards were official in April and the beginning week of May, ...
So, ... 😁?

*kicks a rock and looks innocently at virtual ground* maybe 4 mos? For at least a same-day Citi AA pull and maybe ... what Amex Plat? Venture? Something easier?
Da big kahuna of FNBO??? 😃😄😅
I'm a total glutton for punishment.
And kinda all amped that I really only need a couple pts/cashback cards, and a flight and hotel card with an ability to hold me well on my flight over and my stay there (I'm looking for semi-permanent digs cuz I'm cool like that! 😎).

Yeah. Having good credit and nicer cards, multiple pre-apps, and great hair have really upped my "ludicrous speed" mentality. 🤯

Ooh, what's this about USB I'm hearing??? 👀👂👈
BBVA has been sending me love letters every week now.
FNBO was a kick to my groin. ☠

Obi-wan McBuddha Father Christmas of wisdom, ...
Why are they only into you AFTER you hit financial puberty???
Is it the size of my fiduciary figures?
Will they ever stop looking at my assets and see me beyond my Vantagescores???
Or do they just keep FICOing you for life? 😬😢😭

🧙‍♂️🧘‍♂️🎅⛩ - Blessed be oh wise invested Wan. 😅

[Anonymous]

Well, you can either hold tight and focus on CLI's in the meantime or forego the CC you really want for Japan.

It's not a science to figure these lenders out but, there's pretty good guesstimations as to how they react.

[Anonymous]

As the title says, I got a Citi DC WMC, Nordy VS, and Amazon, plus PC'd to a Cap1 Venture and Citi Rewards+ WMC. Also, across my cards, went from $47,250 to $89,850. So many CLIs, too. About 20k+? Tee hee! 😄🤭😅 I was a busy lil Appee!
But now I need better travel cards for a trip to Japan in Dec. and I was denied one final card due to too many inqs, an Amex Blue Pref. Although totally still approved on site for the Delta Gold.
Also, Citi offered that AAdvantage Plat Elite World whatever by email, and I got an invite in the real mail for a Plat MC from FNBO and another for BBVA Clear Points Comp ...
But I need miles. 🤔
I membered up with flight clubs Krisflyer Singapore, ANA W. Of Hyatt, IHG, and BA Avios, etc, just in case ... 😃
I notice ANA has a USA based starter CC for foreign workers and frequent fliers with bada$$ Japanese in house discounts, and FNBO runs it! Kismet, I tells ya!
Plus, I'd like to try Amex for a non-revolver. Like the Delta Gold special they all keep advertising, or one of the Hiltons, ... or maybe a Gold or Plat straight? 🤨
AND, found out Citi's Rewards+ has Thank You points, but none transfer for travel partners!!!
Only one left really is the Premier (I think the Prestige and the other Thank You cards have been phased out, but their Costco card has 3pts for travel and no foreign fee - I think). Also, Amex and Citi TY points transfer to almost ALL the other travel partners! I'm wayyy past trying to get a Chase by sheer inq numbers, and the other top card is Venture, which is translated to EVERY travel partner!
However, when PCing for the upgrades on the Citi Rewards+ and Cap1 Venture, they both gave me no bonus/SUB to earn, so that means I can get new cards with all the frills of starting miles/points, right???

UGH! I have been debating each card, program and probability as to being approved for like 2 weeks now! 😫😭😢

I'm still at an average FICO 8 of 770, but half my increases/cards haven't reported fully yet, so who knows! I know my FICO 9 scores are at or above 800! FNBO would dig that! Citi, too, I think!

Seriously, I know I need to garden, but for how long, and when I app again, maybe another 2?
Like by Aug/Sept? Which cards???
Then wait till just around end of November and app a couple last cards? 3 Inqs will drop by then.

Okay. Can't sleep. Just loving the thought of flying all super Japanese Business, eating great gourmet meals in my lux booth, and staying somewhere in Tokyo or Kyoto (I have work around there) and being in a big "sugoi-suppaa-suteki-da" Hilton or Ritz suite, filled with enough plush to blow up Hello Kitty and all her friends! 😺😸😹

Any suggestions? Sank yoo velly mush.
🙆‍♂️🙇‍♂️🙆‍♀️🙇‍♀️✌

[Anonymous]

Plat w 100k would get you there in style.