New FNBO Limited-Time Offer Card?

[fedxboy]

Didn't read this whole thread, but I see the apps are closed to Ohio and then I put in Nebraska and the app comes up.   Their footprint you say?  correct

[takeshi74]

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@Creditaddict wrote:

I just can't do business with banks that decline ONLY for inq... 

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Creditors don't just decline for inquiries.  Inquiry sensitivity will depend on credit profile.  If inquiries are cited then there are other reasons as well.

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@Creditaddict wrote:

you would think a 770+ credit score would outway a couple inquiries!

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I wouldn't.  It's never just about score.  If you assume that I can see why you're disappointed.

[kdm31091]

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@takeshi74 wrote:

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@Creditaddict wrote:

I just can't do business with banks that decline ONLY for inq... 

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Creditors don't just decline for inquiries.  Inquiry sensitivity will depend on credit profile.  If inquiries are cited then there are other reasons as well.

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@Creditaddict wrote:

you would think a 770+ credit score would outway a couple inquiries!

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I wouldn't.  It's never just about score.  If you assume that I can see why you're disappointed.

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Great points takeshi. Some people assume creditors only care about number of inquiries. They are looking at the total picture of your account. If the inquiries are large but appear reasonable to them and/or you can explain them well, they may not matter. Conversely, a small number of inquiries can be your downfall if they are "interpreted" differently by the bank. It's a factor, but it is not the entire reason, even if the bank says "too many inqs".

And yeah, it's never just about score. Kind of along the same point as the above, they're looking at your total picture and full report. Every account on your report tells its own story, and they're piecing together the story as they read it. Your score is a factor, again, but they're looking at the other data too.

[Involver]

Just for fun I'm going to see if I can PC to this even though others have reported they won't.

FNBO has been nothing but generous with great CS.

[Anonymous]

6.25% + 1.5% Cashback AND no annual fee?  That has gotta be a first.

Too bad I don't live in their brick and mortar area.

[Anonymous]

Update:

Declined with 815 EX FICO, Letter will say why. Who's got a good recon number?

[kdm31091]

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@Anonymous wrote:

Update:

Declined with 815 EX FICO, Letter will say why. Who's got a good recon number?

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Did you break your gardening again?

[Anonymous]

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@kdm31091 wrote:

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@Anonymous wrote:

Update:

Declined with 815 EX FICO, Letter will say why. Who's got a good recon number?

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Did you break your gardening again?

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No, my mother applied.

Declined with 3 EX inquiries in the last year. (3 with this app)

[kdm31091]

I was gonna say I was a bit confused when you said 815 FICO!

Why would they decline her then? That's crazy

[Anonymous]

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@kdm31091 wrote:

I was gonna say I was a bit confused when you said 815 FICO!

Why would they decline her then? That's crazy

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No idea. She has the most perfect credit record of anyone I personally know..

I guess we'll find out in the letter. I bet it has something to do with too much available credit. (90,000 over 8 cards) Oops.