@myjourney wrote:
@TiggerDat wrote:Sorry to hear that, they are a somewhat cautious lender but are good to people who are rebuilding and have recent clear histories. That being said it seems like their Discover card has the best rewards available for all their cards.
Discover version is one of their worst the better FNBO card is the Amex version
It's a tierd program and to eligible you have to spend like 10k to get the other 4% with the Discover version
- (1).50% on Qualifying Credit Card Transactions which, when added together, do not exceed the total of $2,500; and (2) 1.00% on each Qualifying Credit Card Transaction after the $2,500 total is reached.
- In addition to the percentages described in Section 1, during each Qualification Period that your Account is enrolled in the Program, you will earn an additional 4% cash back in bonus Rebate Rewards on Qualifying Credit Card Transactions made after the first $10,000 in Qualifying Credit Card Transactions that are posted to your Account, up to a maximum amount of $150. Once you have earned $150 in bonus Rebate Rewards during a Qualification Period, you will no longer earn bonus Rebate Rewards, but you will continue to earn 1.00% on Qualifying Credit Card Transactions described in Section 1 until the end of that Qualification Period.
@Involver wrote:How many recent INQs (across all 3)?
FNBO are very sensitive to this and will auto-deny via ARS without any chance for recon.
Yep. They sure are marshmellows when it comes to INQ's to be certain. I gave them a shot when i app'd for a Overstock.com branded card and they shot it down specifically for INQ's which mine (EX) are somewhere around 8 i think. I too was after the free EX FICO as well as some reasonably priced merchandise offered thru Overstock but it was a no go. No worse for wear though but you think FNBO would have more relaxed requirements regrading store branded cards but i suppose not. With their denial i've lost interest in ever approaching them again. To each their own 
I have the FNBO AMEX and don't have any other accounts with them. I got it not quite a year ago. They kept sending me offfers in the mail I saw where they offered the EX FICO score so I pulled the trigger and got the card. I guess it makes a difference with a cold app.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
