Valued Contributor
Posts: 1,965
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.  

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Established Contributor
Posts: 628
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 $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $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: 985
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 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*

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