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Amex (FNBO) / Discover CLI Questions....

Established Contributor

Amex (FNBO) / Discover CLI Questions....

I was approved for the FNBO Amex a few weeks ago and it has my highest limit so far. I am trying to gather my thoughts on how I am going to approach Christmas shopping this year. I would like for it all to be on 1 card and I will be paying more than the minimum amount due each month but will not pif until my taxes come in in Feb. or March. I have read that Amex is funny about you not paying in full but I also know this is not a "real" Amex card either. So am I safe to use just this card and pay how I said above or should I scatter it around the other cards? I just don't want several cards with balances on them for a few months. Any advice?

 

 

Also, I would prefer to use my Discover card for the 0% interest but with my limit only being 1500.00, I don't want to get a high balance on there. My second statement with them will cut today so I am sure there is no way I could ask for a cli? I have read on here that I need to wait 6 months....is that correct? I don't want to throw up any flags with Discover since I have opened a few new accounts since I opened with them.

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

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4 REPLIES
Established Contributor

Re: Amex (FNBO) / Discover CLI Questions....

Just bumping up.....I know somebody has to know something about FNBO Amex's right??  Smiley Tongue

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*
Message 2 of 5
Established Contributor

Re: Amex (FNBO) / Discover CLI Questions....

I don't think amex will care whether or not you carry a balance on your fnbo because they are not the bank lending you the money.
Fnbo will care and they are conservative so if you have other card you can let a balance report in, that would be best.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 3 of 5
Moderator Emeritus

Re: Amex (FNBO) / Discover CLI Questions....

Definately use Discover... 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Established Contributor

Re: Amex (FNBO) / Discover CLI Questions....

In my experience with FNBO, they absolutely don't mind you carrying a balance. That is my go to account if I plan on revolving something for more than 2 months.

 

I even paid off my car with a BT from FNBO for $9,000 and paid it off over about 11 months and only paid 4.9% APR. They didn't mind at all and gave me a CLI once it was paid.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
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