How sensitive is FNBO to new accounts?

[SDMarik]

Right now with new accounts I am 3/12 and 2/30, with inquiries being 8/24 and 2/12. I would like to add the FNBO evergreen to my wallet, but have heard they are sensitive to new accounts/inquiries. Any data points out there that point to the 2/30 being an issue?

I have 2 inquiries falling off in May which will bring my inquiries down to 6/24 and 2/12, I have no issues waiting on this application as I am supposed to be in the garden.

[FinStar]

While not every [AA] DP is captured on the forums, they have been known to shutdown accounts if their algorithms perceive any patterns of credit seeking behaviors, whether it's new accounts and/or inquiries in the past ~12 months or so. Since we don't know which profiles are at risk (nor the lookback period) during any periodic account reviews, this is a risk you'll have to weigh in if you decide to add them to your arsenal.

[SDMarik]

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@FinStar wrote:

While not every [AA] DP is captured on the forums, they have been known to shutdown accounts if their algorithms perceive any patterns of credit seeking behaviors, whether it's new accounts and/or inquiries in the past ~12 months or so. Since we don't know which profiles are at risk (nor the lookback period) during any periodic account reviews, this is a risk you'll have to weigh in if you decide to add them to your arsenal.

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Interesting, so do you mean that they would shut down an account after an approval, based on prior inquiries that were there at the time of approval? I would probably wait for my two current accounts to hit before applying, to prevent a review/shutdown.

[Jnbmom]

  I had account opened for well over a year . They shut me down no notice or anything reason inquires , I did have a lot but not much more than when I opened my account with them.

[FinStar]

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@SDMarik wrote:

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@FinStar wrote:

While not every [AA] DP is captured on the forums, they have been known to shutdown accounts if their algorithms perceive any patterns of credit seeking behaviors, whether it's new accounts and/or inquiries in the past ~12 months or so. Since we don't know which profiles are at risk (nor the lookback period) during any periodic account reviews, this is a risk you'll have to weigh in if you decide to add them to your arsenal.

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Interesting, so do you mean that they would shut down an account after an approval, based on prior inquiries that were there at the time of approval? I would probably wait for my two current accounts to hit before applying, to prevent a review/shutdown.

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Yup, see @Jnbmom's post upthread. Also, @woodyman100 experienced something similar plus there's been others as well. Again, it depends on their periodic reviews. It doesn't happen to everyone, but we know it happens.

[chuckwood]

I applied for a FNBO Ford Pass card becuase I purchased a new Ford truck 2 months ago. I applied 3 weeks ago and was instantly approved. I called today because I relized I have not recieved the card and they told me that they did not send the card because they cancelled the account before the card was sent. After talking to different people I found out it was because my new truck loan reported and they caught it and cancelled the account. So I would let the new ones report first just to be safe. 

[Trini88]

I was approved 7/12, 6/6 on new accounts. ALOOOOT of inquiries. Got FNBO, Apple and Lowes on the same day and so far it's almost 6 months old with no shut down. My dps.

[FinStar]

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@chuckwood wrote:

I applied for a FNBO Ford Pass card becuase I purchased a new Ford truck 2 months ago. I applied 3 weeks ago and was instantly approved. I called today because I relized I have not recieved the card and they told me that they did not send the card because they cancelled the account before the card was sent. After talking to different people I found out it was because my new truck loan reported and they caught it and cancelled the account. So I would let the new ones report first just to be safe. 

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Ouchies 😬☹️

[Taurus22]

Just my $0.02 .......In 2018, I had a 4-card app spree in one day. Applied for USBank, Barclay, FNBO Ducks UNL, and BoA.....in that order if I remember correctly. Granted, I didn't have the inquiries you have, but there was never any question raised from FNBO.  I still have the card and it has grown to a healthy limit.  And that's not to say they haven't adjusted their criteria since that time either.

[chuckwood]

Just to give an update. I don't like to let things go without a fight. I called back today about the card and played stupid. I got a nice lady that looked into it and told me again that it was cancelled but then said thats strange they cancelled it right after approval. She asked if I got a letter and I told her no. She then said let me look into it. I was on hold for about 8 minutes and she came back and asked about the new loan and another recent account that was 4 months old and put me back on hold. Came back about 5 minutes later and said they reversed it and I should have the card in 7-10 days. I was shocked!!