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FNBO Approval!

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difringe
Established Contributor

FNBO Approval!

So I'm minding my own business in the garden, avoiding any sort of interaction with apps after my Apple Card approval, and DW asks me about a trip to Disney World this April Smiley Frustrated

 

I have SUBs for Amex EDP and Rose Gold, but that spend was already accounted for, and the only 0% APR on purchases that I got in my recent stretch of approvals was for the Reflect card, which I'm keeping under 69% utilization, balance transfer included...so I had no 0% APR offer I could use.

 

I had worked out how I'd handle this expense on my existing cards, but something told me to check FNBO to see if I prequalified for their Evergreen card...on one hand, they pull Experian and I had 3 Experian HPs from the last 31 days, but what's the worst that could happen, right? A denial and a reset of my gardening calendar? Gardening is overrated anyway, amirite?!

 

Hit the pre-qualification link, got an offer of $15k at 18.99%, and once I found the radio button (thanks to the long FNBO thread LOL), went ahead and clicked continue. Was kinda worried that with the 3 pre-qualification checks I had done today (bc I couldn't find that freaking button!) I might end up in the sorta situation that you would if you tried that mess with Penfed, but approval came through!

 

$15k approval, my largest limit to date, APR was not on the approval message. Says I'll get the card in 7-10 days.

 

I don't have the monthly MyFICO membership, so idk my EX09 Bankcard score, but my EX08 is 722 as of today.

 

Same stats as my Apple card thread.

 

OK NOW SERIOUSLY TO THE GARDEN UNTIL JUNE

 

garden.JPG

Message 1 of 21
20 REPLIES 20
Ilinferno
Established Contributor

Re: FNBO Approval!

Very nice! Congrats! Enjoy the garden...while it lasts.

Message 2 of 21
CreditAggie
Community Leader
Super Contributor

Re: FNBO Approval!

Congratulations on your FNBO approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (June 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 21
mrcraft
Valued Contributor

Re: FNBO Approval!

Congratulations on your FNBO approval!!

 

I couldn't find that button for a while too!  Smiley Happy



Message 4 of 21
M_Smart007
Legendary Contributor

Re: FNBO Approval!

Grats on the FNBO approval.

Message 5 of 21
Rebuild2019
Valued Contributor

Re: FNBO Approval!

Congratulations 🎊🎈🍾🎉 on your FNBO Approval.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 6 of 21
Trini88
Established Contributor

Re: FNBO Approval!

Congratulations!!!! 🥳🎉🎊

I keep trying to stay in the garden but I keep getting pulled back out 😂😂.

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card
Message 7 of 21
Titans84
Valued Contributor

Re: FNBO Approval!

Congrats on your FNBO Evergreen approval!

Current FICO 8:



Message 8 of 21
sugarcreek67
Frequent Contributor

Re: FNBO Approval!

Congrats on the FNBO approval


>>current scores 12/11/21
EQ Fico9 759 | TU Fico9 763 | EX Fico9 768
EX fico 8 753 | EQ Fico8 745 | TU Fico 8 760 | Navy score 294
Message 9 of 21
CreditMagic7
Mega Contributor

Re: FNBO Approval!

Congratulations on the FNBO approval!

Message 10 of 21
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