Valued Contributor
Posts: 1,390
Registered: ‎09-16-2011

Re: FNBO Auto-CLI!!

They gave me my second lowest APR 15%, there is no instant approvals from them apparently all APP's are manual review but I was approved and they matched my highest CL of 6k at the time, they are now my highest CL after AMEX CLD me to $2700 from $6000. Yet they gave me the auto-CLI to 7.5k, and I got a Chase Slate card and 3 new INQ in December. So new credit doesn't scare them. Haven't called there customer service yet, no reason. Rewards are typical of Discover cards ( before "Discover IT") came around, have to spend X dollars before you get a 1% cash back, there is a sweet spot for rewards but if you want rewards skip the Discover card. Perhaps when I get my UTL back below 10% I may look at another of there cards if offered.  

Wallet: FNBO DISC 11.9k Oregon Duck 5k, Chase CSP 10k, Freedom 3.3k & AMTRAK 4.6k & Slate 3.3k , AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Walmart 4.5k
Sockdrawer: Paypal Extras MC 6k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club Discover 10k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 12/21//2013 no plans for new credit I think I have enough.
Established Contributor
Posts: 622
Registered: ‎07-29-2010

Re: FNBO Auto-CLI!!

That is why I picked their Platinum Edition Visa. I have enough rewards cards, and their rewards are nothing special. 


Its is nice to have a good, high CL low APR no rewards card.


And I am originally from Omaha. They are very popular bank around the area. I do have a savings account with them, but I never use it. There is like $50 in there.

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Contributor
Posts: 959
Registered: ‎09-10-2012

Re: FNBO Auto-CLI!!

Congrats!! I was curious how they were with increases. I don't see too much about them here on the boards. I have had their Amex card for 3 months now and I really like them. They gave me my highest starting balance so far and I my goal is to get an increase to 5,000 with them. I was not sure whether I should call and ask or wait for a cli

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 9k | CSP 5k | Bofa Cash 7.5k | Boa Travel 5k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy 4500 | Shell 1200 | BP 400 | VS 1200 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1300 | BML 1820

App free since 12/11/13*

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