New FNBO Limited-Time Offer Card?

[Creditaddict]

Ouch... 5% BT Fee.

[Anonymous]

They send offers with reduced fee from what I hear.

[plastic_man]

Usually 1% BT fee and 0% rate , I get it all the time.

[Anonymous]

Any data points on U/W reqs for this?

I know I am not apping for it, but two people I know are very interested.

[Creditaddict]

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@Anonymous wrote:
Any data points on U/W reqs for this?

I know I am not apping for it, but two people I know are very interested.

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680+ on EX

No BK I think

and under 3-4 inq! (usually)

[Anonymous]

For this specific product?

Interesting.

[plastic_man]

3-4 inquiries?? Hope you wrong. I have about 8 on EX

[Anonymous]

That excludes the wife, but my mother may be interested. She only has 2 EX inquiries.

[Creditaddict]

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@Anonymous wrote:
For this specific product?

Interesting.

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no for FNBO in general... I know sometimes they allow more INQ but they seem to be OVERLY sensitive on INQ... I was declined the secured card last year for overstock.

I think the magic number is somewhere between 4-8

[Anonymous]

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@plastic_man wrote:
Usually 1% BT fee and 0% rate , I get it all the time.

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Interesting. I know people get 1.99% for life with no BT fee. I've never gotten that offer since my scores are borderline, but I regularly receive 7.99% for life with no BT fee. They probably have a hierarchy of offers, and looks like your offer and the 1.99% with no BT are probably the best.

As a side note, FNBO is definitely extremely conservative and seems to manually review every app/cli. I've seen them compared to US Bank and Penfed, but I don't have experience with either so I don't have any personal reference on that. I think FNBO also checks IDA/ARS, so good luck if you apply.