New FNBO Limited-Time Offer Card?

[plastic_man]

2 inquiries??800+ score! That's nuts! I guess they're don't want anybody to apply for it.

Nixon ,Sr. Analyst? How did she get that far? On my recon they just told me to try back in the future.

[navigatethis12]

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@Anonymous wrote:

I really find it hard to believe that 2 EX inquiries are what caused it. Just weird.

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They also pull IDA/ARS, which track all Mastercard and Visa applications. So, I don't know if she's applied for more than just those two things or not, but that could be it. I was recently approved with about 23 Experian inquiries and probably ten in the last twelve months.

[Anonymous]

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@navigatethis12 wrote:

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@Anonymous wrote:

I really find it hard to believe that 2 EX inquiries are what caused it. Just weird.

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They also pull IDA/ARS, which track all Mastercard and Visa applications. So, I don't know if she's applied for more than just those two things or not, but that could be it. I was recently approved with about 23 Experian inquiries and probably ten in the last twelve months.

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In the last year she's applied for

Wells Fargo VS

CSP

US Airways

3 cards.

3.

[galahad15]

Nixon:  I found this number on the backdoor numbers thread, is it possible that this might still be a viable number for the Barclays EO?  (They refer to it in the thread as a "corporate office"?)  Can you try appealing to them maybe? 

Juniper/Barclays: 866-750-6031 (Corp. Offices)

[Anonymous]

Definitely curious to hear the results of your sr analyst recon Nixon...I have about the same profile as your mother except one more inq

It would be that big of a deal except this would be my first "wasted" hp in years and its kinda bothering me

[Anonymous]

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@galahad15 wrote:

Nixon:  I found this number on the backdoor numbers thread, is it possible that this might still be a viable number for the Barclays EO?  (They refer to it in the thread as a "corporate office"?)  Can you try appealing to them maybe? 

Juniper/Barclays: 866-750-6031 (Corp. Offices)

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Not the same bank.

[galahad15]

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@Anonymous wrote:

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@galahad15 wrote:

Nixon:  I found this number on the backdoor numbers thread, is it possible that this might still be a viable number for the Barclays EO?  (They refer to it in the thread as a "corporate office"?)  Can you try appealing to them maybe? 

Juniper/Barclays: 866-750-6031 (Corp. Offices)

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Not the same bank.

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Ah, I am truly sorry, my friend...    Is there no hope at all, of recon for your dear mother at this point, then?    (Please say it ain't so?)

[Anonymous]

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@galahad15 wrote:

Also, just some more possible food for thought -- is there a reason why you think FNBO may have decided to make this a time-limited offer, rather than expanding it more broadly, or making it a permanent part of its credit card portfolio?  If you really think about it for a sec, by making this a permanent product, they could potentially totally crush their competition in the credit card rewards field, so to speak....especially b/c no one else really has anything close to this competitive level of low APR rewards card, coupled with this generous level of rewards...

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Maybe it is a test offer to see how many people respond, get credit data on people who apply, etc.  Has been done before.

[Anonymous]

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@galahad15 wrote:

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@Anonymous wrote:

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@galahad15 wrote:

Nixon:  I found this number on the backdoor numbers thread, is it possible that this might still be a viable number for the Barclays EO?  (They refer to it in the thread as a "corporate office"?)  Can you try appealing to them maybe? 

Juniper/Barclays: 866-750-6031 (Corp. Offices)

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Not the same bank.

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Ah, I am truly sorry, my friend...    Is there no hope at all, of recon for your dear mother at this point, then?    (Please say it ain't so?)

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We will probably know more monday. Hopefully they come to their senses.

[leoment]

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@Anonymous wrote:

She was declined....for inquiries....

For 2 EX inquiries over the last 2 years... This makes a ton of sense, doesn't it...

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I'm gonna call BS on that decision.  I was approved WITH 2 EX inquiries (1 inq 7/13, 1 inq 4/14).  That makes no sense that they'd approve me with a lower score, and not your mom!