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FNBO Rewards (Pre-Qual) App Pending>Approved!

Shooting-For-800
Senior Contributor

FNBO Rewards (Pre-Qual) App Pending>Approved!


@Shooting-For-800 wrote:

"Preapproved" for $15k at 22.9%

HP = 2-4 week notice.

Just got 4.99% for life blank checks from them on ducks card.

Who knows?


Just got email this morning that I was approved.

Went to status page....

Approved for $15,000 exactly like prequal.  Smiley Surprised

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DPs:  Income is low 6 figures, Fico8s @730, Fico9s @ 700, already have a ducks card with a 4.99% apr for life balance transfer, $5k of 12k limit used on ducks card - paid down from about $8k maybe.  Two previous ducks CLI in the last 2 years or so, 1-3 inquiries per CR, 1-3 new accounts per CR, about 10% overall utilization (0%-5% apr promos)

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Thanks for the SP link!

I called them 3 times and could not get a SP CLI on my Ducks card.  

Go figure.

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GL ALL!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

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

5% 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 - Flagship, Synchrony, Evergreen, & Venture


Message 1 of 11
10 REPLIES 10
Mr_Mojo_Risin
Senior Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!


@Shooting-For-800 wrote:

@Shooting-For-800 wrote:

"Preapproved" for $15k at 22.9%

HP = 2-4 week notice.

Just got 4.99% for life blank checks from them on ducks card.

Who knows?


Just got email this morning that I was approved.

Went to status page....

Approved for $15,000 exactly like prequal.  Smiley Surprised

-----

DPs:  Income is low 6 figures, Fico8s @730, Fico9s @ 700, already have a ducks card with a 4.99% apr for life balance transfer, $5k of 12k limit used on ducks card - paid down from about $8k maybe.  Two previous ducks CLI in the last 2 years or so, 1-3 inquiries per CR, 1-3 new accounts per CR, about 10% overall utilization (0%-5% apr promos)

-----

Thanks for the SP link!

I called them 3 times and could not get a SP CLI on my Ducks card.  

Go figure.

-----

GL ALL!


Congrats on a beauty! I pre-qualified for 10K, It's hard work not to give it a shot. Lol

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 2 of 11
gdale6
Moderator

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Grats on the rewards approval Smiley Happy

 

APR is very high for FNBO I would never carry a balance on the card but wait for BT low rate offers. That 4.99 is a good one, right now they have offered me 5.99 fixed on one of my cards.

Message 3 of 11
M_Smart007
Epic Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congratulations on your FNBO Rewards approval!

Message 4 of 11
AllZero
Mega Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congratulations on your approval!
Message 5 of 11
mrcraft
Valued Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congratulations on your approval!!






Message 6 of 11
CreditAggie
Super Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congratulations on your FNBO approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 7 of 11
Credit4Growth
Valued Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congratulations on your new approval! 

... and the your other offer sound for checks, that sounds amazingly great! 👍 

 

Thank you the DPs 🙂

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 8 of 11
Total80sKid
Valued Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congrats on your approval!

Message 9 of 11
MyFault
Valued Contributor

Re: FNBO Rewards (Pre-Qual) App Pending>Approved!

Congrats on your approval!



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Message 10 of 11
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