Re: FNBO Prequalify -> Approved!

MisterWives · ‎10-29-2020

Got one in the mail for FNBO it's been actually the only credit card offer i've gotten in the mail for awhile now since the pandemic began. Didn't know much about them besides they are a legitamate bank and actually respected compared to some card companies.

Read through some details on here people mentioned they might have changed a few years back to become very sensitive about how many inquiries you have which detered me as you can see below I got 18 inquiries from Experian which is the bureau they pull from too. Score is 715. Thought some people said they had similar amounts and still got approved so i'm not sure why they would then offer that as a reason to deny.

Decided to bite the bullet and applied using the access code and reservation number on my prequalified card. The website reference .com/apply they included in the letter did not work, so simply had to google it.

Got approved for 7.8k SL! Ecstatic to say!

Discover IT Chrome $8,550 | Opened 9/2017 | 2% Restaurant & Gas / 1% Everything

Best Buy Store Card $10,000 | Opened 11/2018

Amazon Store Card $10,000 | Opened 12/2018 | 5% Amazon Purchases (Requires Prime)

PNC Cash Reward Visa $10,500 | Opened 12/2018 | 4% Gas / 3% Restaurant / 2% Grocery / 1% Everything

Chase Freedom $5,200 | Opened 1/2019 | 5% Category Rotation

Amex Blue Cash Everyday $5,000 | Opened 4/2019 | 3% Grocery / 2% Gas / 1% Everything

Banana Republic $10,000 | Opened 6/2019 | Banana Republic 5x pts per $1 / Everything 1x pt per $1

Costco Anywhere Visa $10,000 | Opened 7/2019 | 4% Gas / 3% Restaurant / 2% Costco & Grocery / 1% Everything

Citi Rewards+ $2,000 | Opened 8/2019 | 2x pts Grocery & Gas | 1x pts Everything

BB&T Rewards $4,500 | Opened 8/2019 | 3% Gas / 2% Utilities & Grocery / 1% Everything

PNC Points Visa $1,800 | Opened 8/2019 (PC in 2020) | 4pts per $1

Home Depot Store Card $5,001 | Opened 10/2019

Discover IT $14,500 | Opened 11/2019 | 5% Category Rotation

Synchrony Mastercard $7,500 | Opened 12/2019 | 2% Everything

Capital One Quicksilver $1,000 | Opened 12/2019 (PC in 2020) | 1.5% Everything

Wells Fargo Platinum Visa $6,500 | Opened 4/2020 | No Rewards

Ulta Mastercard $4,900 | Opened 6/2020 | Ulta 1x pt per $1 / Everything 1x pt per $3

Amex Hilton Honors $6,000 | Opened 6/2020 | 7x pts Hilton / 5x pts Restaurants & Gas & Grocery / 3pts Everything

PSECU $10,000 | Opened 6/2020 | 1.5% Everything (2% with Checking and Deposits)

First National Bank of Omaha Platinum Visa $15,000 | Opened 10/2020 | No Rewards

Apple Card $5,000 | Opened 1/2021 | 3% Apple / 2% Apple Pay / 1% Everything

Venmo Credit Card $7,000 | Opened 1/2021 | 3% Category / 2% Category

PenFed Power Cash Rewards Visa $17,500 | Opened 1/2021 | 1.5% Everything(2% with Checking)

Citi Custom Cash $5,000 | Opened 5/2022 | 5% Category

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

Loquat · ‎10-29-2020

Very nice! FNBO can be tough...they've never cared for my profile and I stopped trying a few years ago. The last app I had with them was back in '15 or '16 when they had the 2% Bucks Back Visa. At the time I really wanted that card and they told me to kick rocks. LOL!

Congrats on your approval and decent CL!

GApeachy · ‎10-29-2020

@MisterWives wrote:
The website reference .com/apply they included in the letter did not work, so simply had to google it.

Got approved for 7.8k SL! Ecstatic to say!

Congrats OP! Nice limit.

Here's the link for those looking to apply via mailer: https://www.fnbo.com/lynx/#/direct-mail

My Take Home Pay Don't Take Me Home

MisterWives · ‎10-29-2020

@GApeachy wrote:

@MisterWives wrote:
The website reference .com/apply they included in the letter did not work, so simply had to google it.

Got approved for 7.8k SL! Ecstatic to say!
Congrats OP! Nice limit.
Here's the link for those looking to apply via mailer: https://www.fnbo.com/lynx/#/direct-mail

Yep thats it, wonder if they made it a more difficult process by adding this extra step to weed out the lazy or undecisive people from applying lol

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

AverageJoesCredit · ‎10-29-2020

nice job, enjoy that new cc

Anonymous · ‎10-29-2020

MisterWives your foot is in the door now! Enjoy your new card with FNBO. CLIs seem available based on others who have posted.

Obtained a card three years back and obtained a good increase. Customer service is down to earth and their online is adequate.

CreditAggie · ‎10-29-2020

Congratulations on your FNBO approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Anonymous · ‎10-29-2020

@GApeachy wrote:

@MisterWives wrote:
The website reference .com/apply they included in the letter did not work, so simply had to google it.

Got approved for 7.8k SL! Ecstatic to say!
Congrats OP! Nice limit.
Here's the link for those looking to apply via mailer: https://www.fnbo.com/lynx/#/direct-mail

Can I go fishing with your invite code? Oh, I feel like such a rascal today!

gdale6 · ‎10-29-2020

Sweet, with usage FNBO cards can grown quickly

AllZero · ‎10-29-2020

Congratulations on your approval!

FNBO Prequalify -> Approved!

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FNBO Prequalify -> Approved!