Question

[Shawndoe79]

if you get a special offer in the mail to apply for credit card, with a special code and reservation number is that like a preapproval?  It's a Dodge maximum rewards MasterCard from first national bank? Anyone has experience with this company or Dodge Mastercard. I just bought a 2015 Durango if that helps

[Anonymous]

Like most things, its not a guarantee.  If its FNBO, I've heard that they are very conservative.  Congrats on the 2015 Durango, however.

[Anonymous]

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@Shawndoe79 wrote:

if you get a special offer in the mail to apply for credit card, with a special code and reservation number is that like a preapproval?  It's a Dodge maximum rewards MasterCard from first national bank? Anyone has experience with this company or Dodge Mastercard. I just bought a 2015 Durango if that helps

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No the reservation number and special code is just a marketing ploy.  Does not mean a preapproval 

[SOGGIE]

Congrats on the wheels! FNBO is great. I don't find them to be as conservative as most claim. Their CLIs are by SP. If you feel comfortable, then respond to the app. When I responded, I didn't feel comfortable, but responded. They approved, and I've been happy with them.

[Shawndoe79]

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@Anonymous wrote:

Like most things, its not a guarantee.  If its FNBO, I've heard that they are very conservative.  Congrats on the 2015 Durango, however.

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Thanks kaykay65 😊

[Shawndoe79]

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@Anonymous wrote:

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@Shawndoe79 wrote:

if you get a special offer in the mail to apply for credit card, with a special code and reservation number is that like a preapproval?  It's a Dodge maximum rewards MasterCard from first national bank? Anyone has experience with this company or Dodge Mastercard. I just bought a 2015 Durango if that helps

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No the reservation number and special code is just a marketing ploy.  Does not mean a preapproval 

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Ok good to know thanks

[Shawndoe79]

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@SOGGIE wrote:
Congrats on the wheels! FNBO is great. I don't find them to be as conservative as most claim. Their CLIs are by SP. If you feel comfortable, then respond to the app. When I responded, I didn't feel comfortable, but responded. They approved, and I've been happy with them.

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Thanks Soggie, what were your score at the time and which CRA did they pull? 

[Anonymous]

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@Shawndoe79 wrote:

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@Anonymous wrote:

Like most things, its not a guarantee.  If its FNBO, I've heard that they are very conservative.  Congrats on the 2015 Durango, however.

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Thanks kaykay65 😊

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If you take FNBO out of the equation, what do you want to do next?  You have enough tradelines to get your score up.  Then what?     I haven't really identified a specific score, just want to clean up my reports which I've almost accomplished.  There are some cards I would like to have, but don't necessary have to have them.  My portfolio is okay right now.  Your score look good almost 6 months post bk. 

[Anonymous]

I got a pre-approval from Sheetz gas stations who were FNBO. They shot me down back in April when I used the pre-approval and the little confirmation numbers. Too many INQ and too many new cards. All I wanted was their gas card! Sheesh. I can tell you for sure they're conservative.

[Shawndoe79]

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@Anonymous wrote:

I got a pre-approval from Sheetz gas stations who were FNBO. They shot me down back in April when I used the pre-approval and the little confirmation numbers. Too many INQ and too many new cards. All I wanted was their gas card! Sheesh. I can tell you for sure they're conservative.

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Thanks for the info, I'll keep that in mind