New FNBO Limited-Time Offer Card?

[galahad15]

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@someone379 wrote:

Ok, I broke down and did it (I will update my gardening signature tomorrow, going to bed) ...

Instant approval. EX 693

I think only 3 or 4 inq's on EX (much more on other two)

I have recieved in the past 2-3 months:

New Cards:

Marriott VISA

AMEX BCE

Amazon Store Card

Discover

And now this FNBO limited

+ CLIs on my AMEX Costco TrueEarnings card and Capital One card

AND 1 new car loan (which I changed my mind and paid off) + a new car lease.

My credit has been busy, and I got in... Not sure how that works with some of what I read here, but it did.

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Congratulations! 

[galahad15]

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@chally wrote:

Same here, app'ed and message said we'll review and give response in 3 - 4 weeks. Received email next morning, approved. Will find out details when the card arrives.

0 EQ inq, 1 EQ inq, 2 TU inq. 3 new accounts opened March 25, other 2 TL are 6 and 8 yrs old. EQ FICO 683.

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Happy for you as well, to hear about the approval! 

[Anonymous]

Well, got my denial letter today...Equifax score of 815 listed with too many inquiries listed as the reason for denial, I have 3 and the last one was from an auto loan (that I didn't use) in November and then over 12 months for the other 2. I think I'll call Monday and see what they have to say, seems a little ridiculous to me.

[Anonymous]

FNB Omaha was the company that is behind the Sheetz Rewards card that I was recently rejected for. They said too many inquiries. Possibly since this is a AMEX card that it would be a different answer? I'm most likely not going to try anyway because of all the INQ lately plus AMEX Blue hates me anyway with a $2,500 limit and won't budge on CLI.

[plastic_man]

@brclark82. They are ridiculous regarding approvals on this card . I don't think they want anybody to get approved for it. I wish you luck on your recon. When I did my recon they said " you don't fall within our credit criteria " I had 6 inqs on EX . Unbelievable.

[gdale6]

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@plastic_man wrote:
@Anonymous. They are ridiculous regarding approvals on this card . I don't think they want anybody to get approved for it. I wish you luck on your recon. When I did my recon they said " you don't fall within our credit criteria " I had 6 inqs on EX . Unbelievable.

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Its not your EX inquires you are being denied over, they pull ARS/IDA, these guys track ALL inquires that come from a specific address...

[Themanwhocan]

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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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What about other inquiries? FNBO has always pulled EQ for my applications, and they do pull one of those alternate credit bureaus that show them how many INQ you have on all 3 major credit bureaus (or so the rumors go)...

I'm pretty sure I'm applying, but EQ is my worst credit report from a INQ standpoint. Mainly due to FNBO applications... If the deadline to apply was even one month longer, I would be in a much better position. Two more months and I'd be golden. But, you play the cards you're dealt.

[galahad15]

[sorry duplicate post; deleted]

[galahad15]

Update: checked the FNBO website earlier today, and it appears that the time-limited offer for the FNBO Amex at 6.25% V APR has been extended from 5/31/2015 to 6/17/2015!    Unfortunately, the limitation to only be able to app in certain states still appears to be present...

[someone379]

I have been using this card as my general spend card - I like it with one exception, I think their online interface is a bit outdated. I like logging into my accounts and checking balances / transactions somewhat regularly and I have found that there is no way to view pending transactions on their site, unless someone here knows how to do that? It is a little annoying to me that I can't see transactions until days after I make them, but not enough to stop me from using it.