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First National Bank Omaha AMEX?

Contributor

First National Bank Omaha AMEX?

I just got a pre-approval for the First National Bank Omaha American Express card with no annual fee, no pre-set spending limit, and 0 % APR on purchases and balance transfers for 12 months. Also 2% cash back on groceries and gas and 1% on everything else? Supposedly says that this is "invite only" and that they've selected me and pre-approved me?

Anyone have this card or know about it? Is it worth the HP?
Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
50 REPLIES
Established Contributor

Re: First National Bank Omaha AMEX?

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 Smiley Happy

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

Contributor

Re: First National Bank Omaha AMEX?

Haha. I think I'm going to pass on it.

Also I noticed they weren't being truthful when they said this card was invite only. I almost felt special Smiley Happy

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Valued Contributor

Re: First National Bank Omaha AMEX?

I hear FNBO cards are really hard to get approved for, if you got a special invite you must have really awesome credit! 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Contributor

Re: First National Bank Omaha AMEX?

@ryanbush

Should I apply? Will it make my CR look even better?
Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Frequent Contributor

Re: First National Bank Omaha AMEX?

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.




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Established Contributor

Re: First National Bank Omaha AMEX?

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. Cat Wink

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*
Valued Contributor

Re: First National Bank Omaha AMEX?

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.

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Established Contributor

Re: First National Bank Omaha AMEX?


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.

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*
Valued Contributor

Re: First National Bank Omaha AMEX?

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.

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k