FNBO CLI denied — then approved (timing of request)

[Writechecks1]

hey guys

i recently requested a CLI from FNBO, however just got my letter in from them and it says, "insufficient experience on our account". I usually PIF except for 1 month. 

does this mean I requested to early, as my 6th statement didn't cut yet (7 days from cutting). But had been 181 days since account opening. 

I think it was an instant denial since when I clicked submit, it said I would recieve a letter in mail in 5-8 days. 
my best guess since I requested a HP CLI but just received right away when submitted the 5-8 letter response.", it was to early. 

any insight to this would be helpful

[Writechecks1]

K. Just called them and I guess it is after your 6th statement when card is new (not the 181 days). Just a DP

WAS APPROVED VIA SP FOR $4000. 

thanks everyone for your help and support. Love this forum

[Anonymalous]

Congrats! FYI, you can request another in 4 months. With FNBO, the best practice is to call in and ask if there's a soft pull CLI available, instead of doing a request via the app or web interface.

[Anonymous]

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@Anonymalous wrote:

Congrats! FYI, you can request another in 4 months. With FNBO, the best practice is to call in and ask if there's a soft pull CLI available, instead of doing a request via the app or web interface.

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Supposedly, the telephone call in gives you the opportunity to say NO hard inquiry where all other means will result in a hard inquiry! My findings support what I just wrote. But ... who knows? 

[CreditAggie]

Congratulations on your FNBO CLI!

[firefox100]

Congrats on FNBO credit increase, enjoy it have fun.

[KingRue8500]

Congrats on your FNBO CLI

[cashorcharge]

WooHoo!! Glad that worked out!  Congratulations on your FNBO Approval!!👏🏼🍾🥂

[PapaTunde]

Congrats on your FNBO love and thanks for the data point