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Moderator
Shogun
Posts: 12,902
Registered: ‎04-15-2011

First National Bank of Omaha

Says on the front:

 

By invitation only...  You're among a select few who are pre-approved.

 

It's on their AMEX, NPSL.   Anyone know anything about this offer?


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
CribDuchess
Posts: 595
Registered: ‎09-12-2011

Re: First National Bank of Omaha

My hubby got the same offer in the mail yesterday.  I have no clue about it......curious as to what others think or what experiences others have had?

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
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Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011

Re: First National Bank of Omaha

Hey Shogun!
My bro got the pre-approval offer to. Had a relatively high utility and still approved for a pretty decent limit. I've read on here that they are a conservative lender but all my research points otherwise if you are pre-approved. Hard apping might net you a different result but my advice- if you are looking for another TL- FNBO is a good credit card company. SPs for CLIs every 6 months- high CLs if you have a good FICO plus they grow- rewards not so great but still useful. Hope this helps.

Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

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Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013

Re: First National Bank of Omaha

it's a decent emergency trade line to keep around. definitely not too hard to get, but the company itself is one of the better mid-tier lenders. I would get it if i didn't have two high limit, low apr trade lines from my credit unions.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Established Contributor
JonStur
Posts: 904
Registered: ‎12-25-2010

Re: First National Bank of Omaha

I've been getting offers for their Amex and their Visa Plat for the last 6 mons.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: First National Bank of Omaha

[ Edited ]

Shogun wrote:

Says on the front:

 

By invitation only...  You're among a select few who are pre-approved.

 

It's on their AMEX, NPSL.   Anyone know anything about this offer?


Was your offer for the FNBO American Express?

I got one of those in the mail yesterday, comes with a reference number.  0% on BTs until July 2014. BT fee of $10. 

 

I didn't realize that it was NPSL.

 

Mine states that the rewards are 2% on gas and groceries...  Not bad IMHO


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator
Shogun
Posts: 12,902
Registered: ‎04-15-2011

Re: First National Bank of Omaha

Yes, it was their AMEX version.  I'm just not that knowledgable about FNBO.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012

Re: First National Bank of Omaha

I have had their Visa for a year now. Reputable lender with Nebraska based customer service. They hand approve all the applications, so it takes a week or so before you will know if you are approved, but that is the norm. Basic card with simple reward structure. I also received that offer. It looked like a nice basic bank based Amex card, with 2% rewards on groceries and gas I think. On the Visa I was approved for $7500 and I used it for 0% BT offer. They auto CLI'd me after about 6 months to $8150. All in all a fine basic bank card with good customer service.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
New Member
GreyFox
Posts: 1
Registered: ‎05-06-2013

Re: First National Bank of Omaha

Is the AMEX a revolving credit line or pay in full?

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012

Re: First National Bank of Omaha

I got the offer for the Amex offer last year and applied for it even though I had read they are very conservative. I was approved within a few days for my highest limit at the time. I have nothing but good things to say about FNBO. Their customer service is top notch and I like the way they do cli's. I had called to inquire about a cli after about 3 months of having the card. The csr told me that you can call in periodically and ask if you are eligible for one and if so, they will tell you how much and you just approve that you want it. No pulls on your credit because they have already preapproved it. I called back a few months later and I had one sitting out there. My limit went from 3500.00 to 6000.00.

 

@GreyFox, it is a revolving account

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

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