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FNBO Ducks Unlimited Approval 36 Mos Post BK7

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Valued Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7

Congrats!

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver





           
Message 11 of 19
Established Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7

Shocking, They are so mean there in Omaha. Denied for everything i applied there for including a secured card. Congrats for you sneaking thru.

Message 12 of 19
Moderator

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7

1500 is their usual start point for someone rebuilding its what I got with 2 accounts from them one in 2012 and the other in 2013, within a year each was over 10K. Every 3 months you can call and see if there is a soft pull CLI available. If you treat them right they will do the same for you. Enjoy.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 13 of 19
Community Leader
Valued Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7


@jj10939 wrote:
Hello all,
Just wanted to share my approval and data points for my approval. I hope they help anyone who is interested in applying with FNBO.

This has been a goal card for me for the 5% unlimited cash back on gas and sporting goods with no annual fee plus supporting DU.

Applied with hesitation but to my surprise was instantly approved online.

SL is lowest by far at $1500 but given the underwriting standards at FNBO, I am just happy to have my foot in the door. That’s more than enough for monthly gas purchases.

36 Mo post BK7, scores are 680s across the board. Income $60k. Hope this helps!

Do you have a pretty long credit history? With 10 inqs on EX and 3 new accts you’d think there’d be no chance based on what we’re seeing with that card lately. Grrr I so want this card

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 14 of 19
Valued Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7


@pinkandgrey wrote:

@jj10939 wrote:
Hello all,
Just wanted to share my approval and data points for my approval. I hope they help anyone who is interested in applying with FNBO.

This has been a goal card for me for the 5% unlimited cash back on gas and sporting goods with no annual fee plus supporting DU.

Applied with hesitation but to my surprise was instantly approved online.

SL is lowest by far at $1500 but given the underwriting standards at FNBO, I am just happy to have my foot in the door. That’s more than enough for monthly gas purchases.

36 Mo post BK7, scores are 680s across the board. Income $60k. Hope this helps!

Do you have a pretty long credit history? With 10 inqs on EX and 3 new accts you’d think there’d be no chance based on what we’re seeing with that card lately. Grrr I so want this card


 With FNBO they look at last 6 months inqs. So if you don't have any in last 6 months you could apply Smiley Happy
Message 15 of 19
Moderator

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7


@JoeLuvsHisCredit wrote:

@pinkandgrey wrote:

@jj10939 wrote:
Hello all,
Just wanted to share my approval and data points for my approval. I hope they help anyone who is interested in applying with FNBO.

This has been a goal card for me for the 5% unlimited cash back on gas and sporting goods with no annual fee plus supporting DU.

Applied with hesitation but to my surprise was instantly approved online.

SL is lowest by far at $1500 but given the underwriting standards at FNBO, I am just happy to have my foot in the door. That’s more than enough for monthly gas purchases.

36 Mo post BK7, scores are 680s across the board. Income $60k. Hope this helps!

Do you have a pretty long credit history? With 10 inqs on EX and 3 new accts you’d think there’d be no chance based on what we’re seeing with that card lately. Grrr I so want this card


 With FNBO they look at last 6 months inqs. So if you don't have any in last 6 months you could apply Smiley Happy

While @pinkandgrey is definitely on a conquest to get this CC based on the number of resuscitated threads, the above statement is not entirely accurate @JoeLuvsHisCredit.   They will consider new accounts + inquiries ranging anywhere from 6-12 months, with 6 months as most recent.  Invariably, this all depends on an individual's overall profile. 

Message 16 of 19
Valued Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7


@FinStar wrote:

@JoeLuvsHisCredit wrote:

@pinkandgrey wrote:

@jj10939 wrote:
Hello all,
Just wanted to share my approval and data points for my approval. I hope they help anyone who is interested in applying with FNBO.

This has been a goal card for me for the 5% unlimited cash back on gas and sporting goods with no annual fee plus supporting DU.

Applied with hesitation but to my surprise was instantly approved online.

SL is lowest by far at $1500 but given the underwriting standards at FNBO, I am just happy to have my foot in the door. That’s more than enough for monthly gas purchases.

36 Mo post BK7, scores are 680s across the board. Income $60k. Hope this helps!

Do you have a pretty long credit history? With 10 inqs on EX and 3 new accts you’d think there’d be no chance based on what we’re seeing with that card lately. Grrr I so want this card


 With FNBO they look at last 6 months inqs. So if you don't have any in last 6 months you could apply Smiley Happy

While @pinkandgrey is definitely on a conquest to get this CC based on the number of resuscitated threads, the above statement is not entirely accurate @JoeLuvsHisCredit.   They will consider new accounts + inquiries ranging anywhere from 6-12 months, with 6 months as most recent.  Invariably, this all depends on an individual's overall profile. 


I said that about " INQS" I talked to them 2 times and both times they said they look at last 6 months of INQS I didn't say anything about accounts

 
Message 17 of 19
Regular Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7

@pinkandgrey just apply for the card then & see what happens. From what I’ve been reading/experiencing is creditors are tightening up the reigns, slimming portfolios, changing & tightening requirements. You seem very determined to get the card & as it seems one would never really know for sure if you would be approved or not based on your new accounts & INQ’s.




EX: 694 (F8)(7inq) | TU: 691 (VS3)(5inq) | EQ: 699 (VS3)(5inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late on file
9% Utilization | AAoA: 2yrs | Updated: *UPDATING*
Message 18 of 19
Regular Contributor

Re: FNBO Ducks Unlimited Approval 36 Mos Post BK7

Hi Pink,
My thought when I applied was, “if I’m denied, at least I know where I stand and the letter will give me insight”. If you want the card, apply. You may be pleasantly surprised!

If you do, let us know how it goes. Good luck!
Message 19 of 19
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