03-29-2013 05:39 AM
Was suppose to be gardening but recvd this pre-approval in the mail, I was approved in 24 hours for a 3600 CL. Is this bank/card hard to get approved for? I was wondering if my hard work has really paid off or not?
Was my spree successful? are these good cards to have? and make my profile look better?
Recent app spree:
Chase Freedom 2500CL
CITI Simplicity 2500CL
Discover IT 4000CL
FNBO Amex 3600 CL
Will be joining the Garden Club TODAY!! Im really excited....im someone that filed bancruptcy, went through a divorce, am a single parent and had a credit score in the low 5's upper 4's as early as 8 years ago....
Looks like a successful spree to me!!! Happy Gardening!!!
03-29-2013 09:28 AM
JEEZ!!! after reading those reviews, I dont know if i want this card anymore......damn those are ALL BAD!! has anyone else on here had a credit card with FNBO??
03-29-2013 09:35 AM
Here's another "bad" review. I got a preapproval for their Visa last year. I applied and was approved for 3600.00. The gave a an auto CLI after 6 months. Limit is now 4500.00. I also got 0% purchase & balance transfer for a year. APR goes to 13.9 after one year. I am very satisfied with FNBO!
03-29-2013 09:37 AM
Okay OKay Meg, Now that makes me feel much better. I was reading those reviews and all the blood drained out of my face....LMAO.....made me scared!!
03-29-2013 09:45 AM
I tend to take comments regarding payments that were not "late" with a grain of salt. There's almost always more to the story. As for the one whose card was closed for inactivity....SO? If you're not using the card, you're just costing them money! I've never had to call FNBO since activation and all goes very smoothly. Payments are reflected with absolutely no issues. Best of luck!
03-29-2013 10:37 AM
Actually, I used it for a balance transfer that's not paid off yet. The amount I wanted to transfer was more than the credit line they gave me and they just about maxed it out. They did that, not me. LOL. Anyway, I've been paying it down and didn't want to add extra charges. Since my CLI last month, I've decided to use it a bit and add new charges to the regular payment in order to stay on track.
03-29-2013 10:42 AM
03-29-2013 11:09 AM
Good to hear some positives on FNBO. I have been liking it. I have a credit gap of a couple of year(of no credit cards) which does raise some eyebrows among lenders.
But that's all, all my baddies have cleared up, I have one collection agency's HP showing up on my TU report.
Having said that, I feel so great to be approved by FNBO with SP, apparently they sent me a yet previous invitation which ended up at my last address.
I was approved instantly(by the system) and got a good decent credit line.
I started reading up on the internet all those bad reviews and then got concerned. I have been liking FNBO though. I did a BT on the day I activated, the rep was nice and easy with me. The deal is good 0% on both purchases and BT for one year. 2% on gas etc...I like to pay 7 days in advance most of the time and that too online. So given that...I think I can maintain a good relationsihp with this lender...I wanna say it's all upto me how I want to do it.
|~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.||Last HP Nov 2013 Gardening until Nov 2015|
03-29-2013 11:25 AM
@codesingh...............I felt the same way after reading those reviews, but not im excited again to get the card in the mail. Congrats on the good CL!