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FNBO approval....I can't believe it!!!

Established Contributor

FNBO approval....I can't believe it!!!

I got a preapproval in the mail for the First National Bank of Omaha for an Amex card. I thought I would give it a shot and gave them my information on Monday. I then read that they were very conservative and not a fan of recently opened accounts so I have been nervous and not really expecting them to approve me. I just checked my status and this is what it said 

 

Your application was approved on 10/11/2012 with an initial credit line of $3,500.00.    A card will be sent to you within 7-10 business days.

 

I am in shock and that is the highest limit I have!! I don't know much about Amex but will this one show up on my credit report as that being my limit or do amex's not count? I know this is through FNBO and not Amex but I don't really know what the difference is. I am hoping this will show as my limit and show that I can handle that much so when my time comes around for cli with my other cards, it will help me get bigger limits!!

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*
15 REPLIES
Established Contributor

Re: FNBO approval....I can't believe it!!!

First of all, Congrats!  This card will report the same way any card with a pre set credit line reports, ie......visa/mastercard/or co-branded Amex.  The credit line reports every month, and whatever balance is owed on the account when the statement cycles each month, thus calculating into normal utilization.  FNBO issues and services your Amex account under license from Amex, used on the Amex network.  Enjoy!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Frequent Contributor

Re: FNBO approval....I can't believe it!!!

FNBO is your issuer so it will show up as a normal revolving credit card with a 3500 limit. AmEx is simply the network in which it runs through. It is not a co-branded card so you are playing by FNBO's rules and terms. Congrats

Established Contributor

Re: FNBO approval....I can't believe it!!!

Congrats

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Established Contributor

Re: FNBO approval....I can't believe it!!!

Why didn't you try for a real Amex?
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Established Contributor

Re: FNBO approval....I can't believe it!!!

Gosh, I am so excited and scared at the same time *lol*  I really get confused about the Amex cards....that is one I have never had. So it is revolving? I had always heard that Amex was unlimited (within reason) and you had to pif each month. I pif anyways but I can run a balance on this one if I want right? That is revolving right?

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*
Established Contributor

Re: FNBO approval....I can't believe it!!!

I never applied for amex because I thought they were out of my league right now. What I have really been wanting is the chase freedom but I thought there would be no chance of that either. Maybe I have been eligible for better cards than I thought??


Smug wrote:
Why didn't you try for a real Amex?



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*
Established Contributor

Re: FNBO approval....I can't believe it!!!

Congrats on your approval! I have the Chrysler MasterCard from FNBO, and I am all smiles with them so far! FNBO was my first prime card since my credit recovery, with a $4100 limit.

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Established Contributor

Re: FNBO approval....I can't believe it!!!

Congrats!  Very encouraging since FNBO is something I'm considering come Christmas for a couple big gifts... Either that or an Apple card.

 

As for the Freedom, I got the Chase SouthWest card with a 3k limit and scores around 650-660.  AAoA of 5 years at the time and 4 derog accounts (COs/Collections) that were all 5+ years old.  At the time my highest limit was $950 from HSBC.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Established Contributor

Re: FNBO approval....I can't believe it!!!

Weren't you supposed to be gardening after this

 

http://ficoforums.myfico.com/t5/Credit-Cards/Please-help-I-m-alittle-nervous/m-p/1607026

 

 

...Congrats though..

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s: