I'm pretty certain that I read every single post pertaining to this specific card before I said, "I only have 1 inquiry on EX, so why not give it a shot? A denial won't hurt my feelings (too much!)" - INSTANT APPROVAL!!!
Im pleasantly surprised because EX is my lowest score by about 50 points at 668, compared to TU and EQ. 668 is according to the EX app I have on my phone. 717 was my FICO 9 score from my original Ollo starter card after my BK13 in March 2018.
Data points that I thought would be useful:
- I have an open BK13 that is coming up on the 4/5 year mark
- EX has a derogatory account reporting every month in relation to a balance that was written off as part of the BK13 (this will continue until discharge March 2023)
- I have no prior relationship with FNBO
- Already mentioned, but 1 inquiry on EX
Hopefully this information will be useful for people with similar profiles. I am pretty shocked and overly excited to have both the Caesars Rewards Visa, as well as the MLife Mastercard. The bank that has my mortgage accepts Mastercard and Discover to make the mortgage payment, so how's that for an easy way to add points to the pile?? 
If I already have to make the payment every month anyway, why not get some rewards?!
Also, it's a good thing I was sitting down when I got the approval, because I am totally thrilled with the SL of $9,300!!
Congratulations on your FNBO MLife approval.
They are a great bank to work with
Congrats on your approval! 🤑
Congratulations 🎉🎈🎊 on your FNBO MLife approval & SL.
