Re: Is FNBO real???

Dmessina666 · ‎06-22-2021

I was just approved for $14K. Is this real???

Ive got 3 paid CO's, no lates or derogs for 53 months. 12/24 which includes a new home and leased vehicle.

Utilization is around 23%, scores steady hanging around 688 across the board.

my highest card ever, at 42 years old.

CreditAggie · ‎06-22-2021

Congratulations on your FNBO approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

spiritcraft1 · ‎06-22-2021

They're real and they're fabulous! Congrats.

I had a $10k unpaid CO (6.75 years old) and they gave me 15k.

You will also get your EX FICO 09 Bankcard score monthly.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

KingRue8500 · ‎06-22-2021

Congrats on your FNBO approval

KatSoDak · ‎06-22-2021

It is a unique financial institution for sure.

I never would have know of Navy if not for this forum. And for me it was serendipity because I had coincidentally requested my father's Army records for an unrelated reason and after a year long wait they arrived just as I learned of NFCU.

Congratulations on your life-changing approval!

FICO 8:

MrDFinance · ‎06-22-2021

It's real and Congrats......Treat that limit with care 🤓

Mr_Mojo_Risin · ‎06-22-2021

Haha hell yeah it's real!! Whew, that's some sweetness there.

Fabulous job pulling down that 14K approval, congratulations.

Cheers!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

M_Smart007 · ‎06-22-2021

I think it is real Congratulations on your shocking FNBO approval!

blindambition · ‎06-22-2021

While not as free-flowing as Navy, FNBO certainly has become less conservative and have become more giving... They do seem to like certain profiles, while not entertaining others. Congrats!!