FNBO or Wells Fargo

[folks19]

I have a few weeks to apply for a card because I plan to max out a card, and I want a card that pulls EQ. I have 2 accounts from this year (2022, 03 and 2022, 04), but I opened over 10 cards last year. Between FNBO and Wells Fargo, which is more likely to approve me? I only want a card that pulls EQ.

FICO score EQ: ~780, similar at other berues.

[Titans84]

I'm pretty sure FNBO primarily pulls from Experian. 

[Jnbmom]

Neither likes too many new accounts opened . I would try the FNBO prequalify but it's not always a guarantee though .

[CreditCuriosity]

as mentioned neither lender likes a ton of new accounts and also as echoed fnbo pulls experion and well fargo can pull anyone.

[Bill77]

The Citizens 1.8% card is the answer if you want an EQ pull.  Both FNBO and WF have pulled EX in the past for me.

[CreditCuriosity]

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@Bill77 wrote:

The Citizens 1.8% card is the answer if you want an EQ pull.  Both FNBO and WF have pulled EX in the past for me.

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citizens is or use to be new account sensative whether they are currently I have no clue..  Been denied once due to amount of new accounts a few years back

[Remedios]

WF can pull a single CRA out of three, or combo of two. WF is unpredictable in terms of approval chances, with some profiles they fuss about everything, with others - not at all.

Utilization wise, they don't like it too high or too low during application process. 

FNBO is sensitive to new accounts but also to high utilization 

Applying for a card, then surprising them on first pull with maxed out card is not a good plan. FNBO will shut down cards in a heartbeat if they don't like what they see. 

You also have short credit history (3 years is nothing in credit-time) so I wouldn't be maxing any cards. 

[folks19]

As you all said, I was wrong about FNBO pulling EQ. I thought i had HPs from them on EQ, but i just looked back at my report and I was wrong. Thanks everyone for the info.

[Hoben02]

My two cents even though I have a low opinion of wells due to their opening up fake accounts. I ran into an issue recently with Fnbo where the autopay stopped working and I wasn't aware of it even though it had worked previously so if you don't like being tagged for non payment watch out

[Taurus22]

If you are in the southeast US footprint, Synovus is known to be an EQ puller. They have a couple of decent cards and their rewards are set up exactly like the old BBVA rewards, and not extremely sensitive from my understanding.

This link may also help you out:

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...