Fnbo approval chances.

taxi818 · ‎01-21-2015

First Hello to all. i don't know very much about fnbo. but from what ive read they are very conservative. got another. offer for a visa from them today. not sure what to think of. not sure who they pull from.

but my scores are as follows. which my eq is now frozen. eq 663 - experian. 699 and tu 693

ive got 13 open cards now since i closed a couple. 13 inquiries on ex. 9 on eq. which i will not unfreeze. and 5 on tu. not sure. if it is worth it. was really thinking of util buffer. as i will travel this summer. and i know i will go about 13k in the hole. after everything. any advice. thanks.

Anonymous · ‎01-21-2015

@taxi818 wrote:
First Hello to all. i don't know very much about fnbo. but from what ive read they are very conservative. got another. offer for a visa from them today. not sure what to think of. not sure who they pull from.
but my scores are as follows. which my eq is now frozen. eq 663 - experian. 699 and tu 693
ive got 13 open cards now since i closed a couple. 13 inquiries on ex. 9 on eq. which i will not unfreeze. and 5 on tu. not sure. if it is worth it. was really thinking of util buffer. as i will travel this summer. and i know i will go about 13k in the hole. after everything. any advice. thanks.

They may balk at the EX inquiries..

Creditaddict · ‎01-21-2015

@taxi818 wrote:
First Hello to all. i don't know very much about fnbo. but from what ive read they are very conservative. got another. offer for a visa from them today. not sure what to think of. not sure who they pull from.
but my scores are as follows. which my eq is now frozen. eq 663 - experian. 699 and tu 693
ive got 13 open cards now since i closed a couple. 13 inquiries on ex. 9 on eq. which i will not unfreeze. and 5 on tu. not sure. if it is worth it. was really thinking of util buffer. as i will travel this summer. and i know i will go about 13k in the hole. after everything. any advice. thanks.

pre-approvals from them in the past have always been good.

Usually pull EX I think but I have heard EX some.

taxi818 · ‎01-21-2015

@Anonymous wrote:
@taxi818 wrote:
First Hello to all. i don't know very much about fnbo. but from what ive read they are very conservative. got another. offer for a visa from them today. not sure what to think of. not sure who they pull from.
but my scores are as follows. which my eq is now frozen. eq 663 - experian. 699 and tu 693
ive got 13 open cards now since i closed a couple. 13 inquiries on ex. 9 on eq. which i will not unfreeze. and 5 on tu. not sure. if it is worth it. was really thinking of util buffer. as i will travel this summer. and i know i will go about 13k in the hole. after everything. any advice. thanks.
They may balk at the EX inquiries..

Well out of the 13 inquiries. 7 of them are under a year. 6 are over a year old. i do have the pre qual info. just not sure. as CA said they are normally good. hope someone with this card. can answer. never really know.

Anonymous · ‎01-21-2015

I got their pre-approval in the mail, went to their website to confirm and got instant approval. I think most here that did get the letter got approved. Good luck !

Anonymous · ‎01-21-2015

Forgot to add. They pulled Experian for me and one of the big advantages of having their card is the free EX Fico score !

taxi818 · ‎01-21-2015

@Anonymous wrote:
I got their pre-approval in the mail, went to their website to confirm and got instant approval. I think most here that did get the letter got approved. Good luck !

really what did you get approved for? and who did they pull for you? hope you saw i have 13 on ex and 9 on eq. but im not gonna unfreeze it. im just curious how they are.

taxi818 · ‎01-21-2015

@Anonymous wrote:
Forgot to add. They pulled Experian for me and one of the big advantages of having their card is the free EX Fico score !

It says they offer it in the letter. looking at it. just not sure if i get another denial. i dont see it in your sig.

edit. i see it. thought that was penfed. and your limit?

Anonymous · ‎01-21-2015

The wife got an offer letter for their "NPSL" AMEX that offers *Gasp* 1% cashback.

Interesting, but I think we're going to pass.

taxi818 · ‎01-21-2015

@Anonymous wrote:
The wife got an offer letter for their "NPSL" AMEX that offers *Gasp* 1% cashback.

Interesting, but I think we're going to pass.

lol. nothing wrong with 1 percent. lol. yes. i think i will pass. but it says no AF.