Mlife rewards mastercard pending?

Anonymous · ‎10-15-2016

I applied for the Mlife rewards mastercard a few days ago. I got an email saying my application was pending and it would be 10-14 days until I heard something. I've checked the website and it still shows pending. Anyone have experience with FNBO and know if this is just standard? They pulled EX the day I applied which is at 696. I have a TON of new accounts and inquiries which I just found out they're not a fan of so I am leaning toward a denial but I'm surprised they haven't denied it yet then.

woodyman100 · ‎10-15-2016

FNBO can take every bit of the 2-4 weeks that they tell you they need.

While inquiries and new accts are indeed frowned upon, some do get through with high amounts of each.

Im one.

NFCU-ICCU-EECU-PSECU-DoverFCU-HarvardFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-Amarillo National Bank-CapitalOne-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill-Evolve

CreditMagic7 · ‎10-15-2016

@Anonymous wrote:
I applied for the Mlife rewards mastercard a few days ago. I got an email saying my application was pending and it would be 10-14 days until I heard something. I've checked the website and it still shows pending. Anyone have experience with FNBO and know if this is just standard? They pulled EX the day I applied which is at 696. I have a TON of new accounts and inquiries which I just found out they're not a fan of so I am leaning toward a denial but I'm surprised they haven't denied it yet then.

Is this your first card app with FNBO?

I assume yes, then you should call them. They will need to do a security quiz Q&A session and thereafter it may be another day or two (OR LONGER) for a decision either way.

They don't mention it but that is sort of standard with their process, especially first timers.

baller4life · ‎10-16-2016

They are extremely slow. I was just approved after waiting 11 days. Apped on 1st. Received verification call on 12th. And checked Application Status page that evening and found out I was approved. This was my first app with them.

CreditMagic7 · ‎10-17-2016

I got impatient and called after some days and is when it was clear they were waiting for "that" security Quiz to be completed before any decision was made.

My status was updated to approved 2 days after that.

Did you call in?