FNBO Amex CLI

[snowkitty]

I love FNBO more and more all the time!! I got a preapproval in the mail for their Amex card last year and was approved when I app'd online. They had given me my highest credit limit at the time 3500.00. I called a while back to see when I would be able to get a cli and they told me to call between the 4-6 month mark and see if they had any preapproved cli's in their system for me. I called in this morning and I had one! They gave me an increase of 2500.00 to make my new limit 6000.00!! Now my new highest limit! There was no pull at all. I think they are really great and the csr that I spoke with was the nicest person ever!!

[Epcot]

Very nice, Congrats on the SP increase.

[SpiceIslander]

Congrats! I love FNBO as well. They've been good to me.

[andre181]

Add me to the FNBO love club. They are fantastic! They are also my highest CL at $19,000!

SP CLI's every 4 months, and they are usually pretty big increases, are awesome!

[flowfaster]

Does anyone know if they are willing to lower APR upon request?   I could care less about credit limits but I don't want to app for a useless card that earns lower rewards and has a 14.9 APR.  They are sending me big fancy pre-approvals about once a week but I toss the in the shredder when I see 14.99 APR.

[MsLadyRover]

Congratulations!

[andre181]

Mine is 14.99% and whenever I call to ask them to lower it, they offer me a promotional APR reduction, usually like 1.99% APR for 6-9 months.

Nothing permanent. 

But the good thing about FNBO in my opinion are the balance transfer checks they send out usually every month. 3.99-8.99% fixed for life with no BT fee. I've used those so many times.

[snowkitty]

I'm so glad to see others here loving FNBO. You don't see much about them on these boards. I never knew who they were until I got a preapproval in the mail from them which I could not resist. It was so fancy looking!!

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@andre181 wrote:

Mine is 14.99% and whenever I call to ask them to lower it, they offer me a promotional APR reduction, usually like 1.99% APR for 6-9 months.

Nothing permanent. 

But the good thing about FNBO in my opinion are the balance transfer checks they send out usually every month. 3.99-8.99% fixed for life with no BT fee. I've used those so many times.

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I still have the 0% interest thru October of this year so I have not asked about it yet. I have never gotten any of the balance transfer checks in the mail. Maybe I have to have the account alittle longer? The only checks I get in the mail are monthly from Discover.

[andre181]

I am originally from Omaha and they are a very big and well known bank around here. I also have a savings account through their online banking brand FNBO Direct.

About the checks, you may start to get them once your promotional interest ends. They are great offers usually. I used them to pay off my car loan once 

[navigatethis12]

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@snowkitty wrote:

I'm so glad to see others here loving FNBO. You don't see much about them on these boards. I never knew who they were until I got a preapproval in the mail from them which I could not resist. It was so fancy looking!!

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I hadn't heard of them either and didn't expect much since applications are manually reviewed. They gave me a high limit though and they seem pretty good so far. I just wish you could add the card on the FNBO Direct side, since I can't open a First National Bank of Omaha regular chequing account.