Received a prequal letter for an FNBO Amex today and went online and submitted the app within 30 minutes of opening the mail.
No instant approval, got the message we are reviewing it, about 4pm est. I was prepared for the long wait for manual review, expecting 14 days.
Checked the status online just before midnight and it says approved with a SL of 5200, very happy about it.
I had INQs of 3 on EX and TU and 4 on EQ.
Fico scores are 724, 729, and 725 EQ.
12 new accounts since 5/1/15.
Only baddie is a 60 day late on mortgage from August 2014 showing on all 3 bureaus.
AAoA is about 1.8 years.
Happy to be in with them since I am in FL and out of their normal area.