After seeing some recent dps on FNBO, doing some research and seeing my prequal for the card improving from June to November, I decided to apply. Went from prequalifying for $3200 with a 25.24% apr to $4400 with a 18.99% apr. Applied on the 2nd, app went to pending. Got a letter 6 days later asking for proof of identity and income over 2 years. PROBLEM: Had a baby in 2019 and only worked 5 months lol. PROBLEM 2: Was furloughed for almost 4 months in 2020 lol. Called to get fax number because I wasn't sending my info through snail mail. Faxed info yesterday at 5am PST.
Approved today for $4400 (highest SL I ever had) and 18.99% apr (lowest apr I ever had).
Data Points at time of application:
Age of Oldest account 2y1m
Age of Youngest account 2m
#of inquires coughcough14
Accounts opened in 6 months....6
I'm DONE.... not coming out of the garden in a really really long time smh.
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
