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FNBO 6.25% card, plus BOA CLI

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Themanwhocan
Senior Contributor

FNBO 6.25% card, plus BOA CLI

I finally applied for the FNBO 6.25% APR 1.5% cash back card at 7:30am this morning. Instant approval, but it took until this afternoon before the application status checker would tell me my initial credit limit: $6,200. I have a previous FNBO card that is only 5 months old with $9,800 limit, so getting a second card with $6,200 so soon isn't bad at all.

 

I also took a HP for a CLI on my BOA BBR card. It was at $4,500 for 11 months, I requested $20K total, auto approved for total of $9600. I don't use that card for much, so thats OK for now.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 1 of 18
17 REPLIES 17
B335is
Moderator Emeritus

Re: FNBO 6.25% card, plus BOA CLI

Congrats!!
Message 2 of 18
alextercero
Super Contributor

Re: FNBO 6.25% card, plus BOA CLI

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 3 of 18
CreditMagic7
Mega Contributor

Re: FNBO 6.25% card, plus BOA CLI

Having success with FNBO is rare around here so can't blame ya for bringing in another.

 

Congrats! on the new card PLUS the BofA BBR cli!

Message 4 of 18
revjamesl
Valued Contributor

Re: FNBO 6.25% card, plus BOA CLI

Sweet. Congrats.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 5 of 18
chalupaman
Super Contributor

Re: FNBO 6.25% card, plus BOA CLI

Congrats! 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 18
Themanwhocan
Senior Contributor

Re: FNBO 6.25% card, plus BOA CLI


@CreditMagic7 wrote:

Having success with FNBO is rare around here so can't blame ya for bringing in another.

 

Congrats! on the new card PLUS the BofA BBR cli!


I was able to get my recent (less than 1 year) inquiries down to TU: 2 ; EX: 3 ; EQ: 4  before the application and CLI.  FNBO usually pulls EQ for me (2 of the 4 recent EQ inquiries are from FNBO), but I'm not sure yet what they pulled this time. I did get an alert from Credit Karma for a TU Inquiry for the BOA CLI request, which was expected.

 

I have 2 Inq on EX and 1 on EQ that will be over a year old in about 3 more weeks, so I felt I had a shot with FNBO and also felt I could handle a couple inquiries at his time. Previously my last inquiries were in Nov/Dec, one on each credit bureau.

 

EDIT: FNBO pulled EX this time.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 7 of 18
Anonymous
Not applicable

Re: FNBO 6.25% card, plus BOA CLI


@Themanwhocan wrote:

I finally applied for the FNBO 6.25% APR 1.5% cash back card at 7:30am this morning. Instant approval, but it took until this afternoon before the application status checker would tell me my initial credit limit: $6,200. I have a previous FNBO card that is only 5 months old with $9,800 limit, so getting a second card with $6,200 so soon isn't bad at all.

 

I also took a HP for a CLI on my BOA BBR card. It was at $4,500 for 11 months, I requested $20K total, auto approved for total of $9600. I don't use that card for much, so thats OK for now.


Thats a GREAT APR on FNBO, congrats on your success with BOA as well..

Message 8 of 18
I-think-I-can
Valued Contributor

Re: FNBO 6.25% card, plus BOA CLI

Congrats on the approval and cli !! I would love to have that 6.25% card...but I just got their Sheetz card in February and am still trying to earn their trust!  Smiley Happy

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 9 of 18
04Cobra
Frequent Contributor

Re: FNBO 6.25% card, plus BOA CLI

Congrats! Nice APR on that card. Hmm... 

Discover $21k | Venture $20k | Quicksilver $15k | NICU Rewards MC $13.5k | Costco $14.5k | Citi Costco $12.5k | Chase Sapphire Reserve $10k | Barclay Apple $9.6k | Best Buy MC $10k | Merrick Bank Visa (formerly Hooters) $2.6k |
Message 10 of 18
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