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It seems to me that FNBO does not have a blacklist. I tried their Pre-qual just to test the waters, and didn't get anything but the reason for denial I got in the mail simply said that they could not qualify me due to too many inquiries. No mention of "unsatisfactory past relationship" even though I IIB my FNBO Visa in my April 2017 Ch 13 (DC in January 2021).
Is FNBO forgiving?
@Jeffster1 wrote:It seems to me that FNBO does not have a blacklist. I tried their Pre-qual just to test the waters, and didn't get anything but the reason for denial I got in the mail simply said that they could not qualify me due to too many inquiries. No mention of "unsatisfactory past relationship" even though I IIB my FNBO Visa in my April 2017 Ch 13 (DC in January 2021).
Is FNBO forgiving?
It depends.
It will largely depend on your overall profile and creditworthiness. FNBO has declined applications citing previous negative relationship. The decision is typically known when a CRA is accessed via HP not during the pre-qualification process.
A coworker had them included and when they tried 7 years later they got approved. It wasn't a huge limit (2000) but it got their foot in the door.