New FNBO Limited-Time Offer Card?

[galahad15]

---

@gdale6 wrote:

I just spent 30 mins on the phone trying to PC my current FNBO Amex to this new 1.5% cash back 6.25% apr card, it is a no go and I confirmed that applications are now restricted to states where they actually have a brick and mortar presence. The only way to get this card outside their "footprint" is by pre select/approved mailed offer... Oh well, no biggie I have low rate fixed cards already.

---

Really sorry to hear that they were unwilling to work with you on the PC there gdale    Also many thanks for sharing the additional details, about the geographic limitations.

[galahad15]

---

@Anonymous wrote:
Too bad they wont pull TU. Id get it then.

---

Hi just curious Nixon, do you think if you were to hypothetically apply over the phone and you asked if they could pull from your TU report  (i.e., instead of EX or EQ) *and* they were willing to pull TU for you, do you think you might hopefully have a good chance at getting approved?

[Anonymous]

Doubt it.

They want EX worse than a raver.

[Anonymous]

Gave in...2-4 weeks, we'll see. 780 ex with 3 inq and $150k income

[Anonymous]

My mother applied.

2-4 weeks with 815 EX FICO.

[Anonymous]

Pulled Eq for me..no TU and not sure about Ex

The good news is Eq is 810 for me compared to 780 for Ex

[leoment]

LMFAO - did mom want this card, or you convinced mom to want this card?

[Anonymous]

She loves low rate cards.

She has 4 low rate cards currently.

Wells Fargo VS @ 8.99% - 10K
Discover It @ 7.24% - 15K
BoA AMEX @ 7.90% - 11K
AMEX OBC @ 9.24% - 18K

[leoment]

Go MOM! She has flawless taste - or at least the person helping her select new cards does

I hope to get my file looking like hers in the next few years!

[Anonymous]

She was disappointed at the APR on the Aviator which was 15.99%, the lowest advertised on it.