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Approved - FNBO Amex

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Involver
Valued Contributor

Approved - FNBO Amex

Was wanting to app them for the free EX08 BC Enhanced, got a pre-approved mailer for the NPSL Amex.  I was worried about their INQ sensitivity through ARS but heard that the pre-approval was pretty legitimate so I bit the bullet and took the EX HP.  Called to verify identity the next day and approved with a starting CL of 5,100.  I know I've said it before but now I literally have every card and financial product that I've wanted to pick up this year so I'm placing all 3 on ice and riding off into the garden sunset.  

Message 1 of 25
24 REPLIES 24
hot4u
Established Contributor

Re: Approved - FNBO Amex

Congrats Smiley Wink


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines
Message 2 of 25
MsLadyRover
Valued Contributor

Re: Approved - FNBO Amex

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 3 of 25
alvon123
Super Contributor

Re: Approved - FNBO Amex

congrats


Message 4 of 25
gdale6
Moderator Emeritus

Re: Approved - FNBO Amex


@Involver wrote:

Was wanting to app them for the free EX08 BC Enhanced, got a pre-approved mailer for the NPSL Amex.  I was worried about their INQ sensitivity through ARS but heard that the pre-approval was pretty legitimate so I bit the bullet and took the EX HP.  Called to verify identity the next day and approved with a starting CL of 5,100.  I know I've said it before but now I literally have every card and financial product that I've wanted to pick up this year so I'm placing all 3 on ice and riding off into the garden sunset.  


Nice, congrats Smiley Happy

 

This card can grow its limit very quickly, you can call every 3-4 months and see if there is a SP CLI request waiting for you.

Message 5 of 25
coldnmn
Mega Contributor

Re: Approved - FNBO Amex

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 25
BigBS
Senior Contributor

Re: Approved - FNBO Amex

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 7 of 25
Shogun
Moderator Emeritus

Re: Approved - FNBO Amex

I actually like my FNBO Amex... I use it for quick spot purchases, and pay it off.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 25
Kenny
Moderator Emeritus

Re: Approved - FNBO Amex


@gdale6 wrote:

@Involver wrote:

Was wanting to app them for the free EX08 BC Enhanced, got a pre-approved mailer for the NPSL Amex.  I was worried about their INQ sensitivity through ARS but heard that the pre-approval was pretty legitimate so I bit the bullet and took the EX HP.  Called to verify identity the next day and approved with a starting CL of 5,100.  I know I've said it before but now I literally have every card and financial product that I've wanted to pick up this year so I'm placing all 3 on ice and riding off into the garden sunset.  


Nice, congrats Smiley Happy

 

This card can grow its limit very quickly, you can call every 3-4 months and see if there is a SP CLI request waiting for you.


Every time I call they tell me they don't have one! And my scores have done nothing but raise. lol Oh well, I think it's because I don't show them much of any love. Smiley Happy

 

Congrats OP On your APPROVAL! Smiley Happy

Message 9 of 25
Anonymous
Not applicable

Re: Approved - FNBO Amex

Congrats! Great card collection.
Message 10 of 25
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