FNBO Approval

Sbrav77 · ‎05-12-2021

Up until I started reading through these threads, I had never heard of FNBO. I saw they had a preapproval you could try for without a hard pull. I decided why not just to see what it said. I was pleasantly surprised when it popped up with a preapproved offer with a $7500.00 sl. The highest sl I had ever had was $6500.00 with Discover before that. I went through with it and was fully approved. I received my email this morning showing the last 4 of the card number. Now, I'm gonna cancel one of my low limit starter cards with a monthly fee. I thank everyone on this forum for introducing me to FNBO.

Sandman771 · ‎05-12-2021

Congrats for the FNBO approval.

Starting Score: EQ497/TU496/EX 499
Currently: EQ 620 TU 654 EX 627
in the garden since 6/16/2021

M_Smart007 · ‎05-12-2021

Congratulations on your approval!

CreditAggie · ‎05-12-2021

Congratulations on your FNBO approval and moving on from the starter card!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

spiritcraft1 · ‎05-12-2021

That is excellent. Do you have any DP's to share?

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

AllZero · ‎05-12-2021

Congratulations on your approval!

Golf-and-Credit · ‎05-12-2021

Congrats on the approval!!

Experian FICO 8: 826/2 inq’s 1/12, 3/24
Equifax FICO 8: 820/3 inq’s 1/12, 3/24
Transunion FICO 8: 821/2 inq’s 0/12, 2/24

AMEX Platinum: NPSL
AMEX Gold: NPSL
AMEX Everyday Preferred: $22,500
Capital One Quicksilver: $5750
Numerica Credit Union Platinum: $2000
Military Star: $8300
1% utilization

gdale6 · ‎05-12-2021

Grats on getting in with FNBO

Anonymous · ‎05-12-2021

Congratulations! I'm sure it's going to feel amazing to kick one of the starters to the curb.

Total80sKid · ‎05-13-2021

Congrats on your FBNO approval!

FNBO Approval

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