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That would be so wrong if they closed your account just for asking about a CLI...I could see if you missed a payment or were ALWAYS maxed out but for asking for a CLI? I can not wait until my secured card reports for a full 24 months then I am closing this bad boy out. I have heard way to many bad things about FNBO.
I called FNBO at my 5 month mark to let them know of an upcoming large charge. While on the phone I asked the rep if there was an offer available for a CLI. There wasn't at the time and he asked if I wanted for them to do a hard pull for a CLI. I declined and on my 6th statement I got a 1.3k auto CLI. The reps have been friendly and knowledgeable every time I have called them