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I ironically got a pre-approval inthe mail for this today. I like the fact that gas/grocieries are 2% but I have two or three cards that offer the same thing. Nice to see a decent pre-approval for myself though
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
I hear FNBO cards are really hard to get approved for, if you got a special invite you must have really awesome credit!
I live in Omaha and they are a class act bank. Nothing shady abou them.
Also, it is hard to get your foot in the door. I think after signing over your first born son and signing your app in blood you will love your relationship with them.
I got the same preapproval last year and I was approved for the card. They gave me my highest limit at the time (3,500.00). I love them! They have great customer service, very easy website to look over your account. I just got a cli with them after 5 months to 6,000.00. They have a really good set up as to where you can call in every 4-6 months and see if you have a cli sitting in their system and if you do, it does not cost you a hp or sp because they use some sort of internal system based on how you are paying them monthly. I will tell you that if you apply, they do not give any instant approvals....they are all manually approved so don't be discouraged when they tell you to wait.
I got the pre-approved for the discover card, AP'd took about a week for the manual review, approved with a 6k CL matched my highest CL. No problems at all with them, haven't needed to call a CSR. Used about 30% UTL on the card since I got it, BT cost 3% no complaints from them, even gave me an auto CLI to 7.5k with a balance on the card at 6 months.
Had about a 700 FICO at AP time, no lates on any credit card account ever, had 6 old baddies showing all 6+ years old, mostly medical collections. They aren't paranoid they just like manual reviews.
@jamesdwi wrote:I got the pre-approved for the discover card, AP'd took about a week for the manual review, approved with a 6k CL matched my highest CL. No problems at all with them, haven't needed to call a CSR. Used about 30% UTL on the card since I got it, BT cost 3% no complaints from them, even gave me an auto CLI to 7.5k with a balance on the card at 6 months.
Had about a 700 FICO at AP time, no lates on any credit card account ever, had 6 old baddies showing all 6+ years old, mostly medical collections. They aren't paranoid they just like manual reviews.
Have you ever tried for a second card with them? I want to add a Mastercard later this year and thought about apping for their's when the 0% interest is up on my Amex with them. I wonder how multiple account friendly they are. You just don't hear too much about them on these boards for some reason.
Haven't applied for anything else with them I figure I would get a second invite from them when they are ready to give me another card, and my UTL has been too high for the last 6 months for me to think about applying with them, and I am still carying a balance on their card so probably not a good way to get approved, perhaps in 2014 when I am out of the garden.