Hi everyone,
I was searching around on the net and on the forums here but I couldn't find this question asked.
Does anyone have more than one Card from FNBO? I currently have the Visa Signature and thought about getting a MC or Amex version of the card. They have been so generous CL and SP CLI wise and I just found out (while search for this question) that they give a free FICO score too. Nice!
Just curious if someone has two cards from FNBO and if so, what the CL is like on the cards. I currently have a 20K CL and I don't know how much more they would extend me or if they are like Chase and is easy going about moving CL around.
Thanks!
12/19/19 
06/11/20 
07/02/20
Yes, 2nd card was offered pre approved after having first card 8 months. Both started at 1500, the older is at 11.5, the 2nd just passed 1 yr and sits at 1900, I have never used it for a single purchase and only used it as a BT card for the 0% 1 yr. Their AMEX has the best rewards that is the first card I got, the 2nd is their discover whose rewards structure is useless.
@gdale6 wrote:Yes, 2nd card was offered pre approved after having first card 8 months. Both started at 1500, the older is at 11.5, the 2nd just passed 1 yr and sits at 1900, I have never used it for a single purchase and only used it as a BT card for the 0% 1 yr. Their AMEX has the best rewards that is the first card I got, the 2nd is their discover whose rewards structure is useless.
Oh awesome! thanks for replying. I don't use my card for puchases either, it's been BT almost every time.
Have you bothered with calling in and getting CLIs on both cards? I've gotten an auto CLI and then multiple CLI by calling via a SP.
I might call them and ask if they have the ability to move CLs. Does anyone have a backdoor or Credit Analyst number for FNBO?
@vpae wrote:
@gdale6 wrote:Yes, 2nd card was offered pre approved after having first card 8 months. Both started at 1500, the older is at 11.5, the 2nd just passed 1 yr and sits at 1900, I have never used it for a single purchase and only used it as a BT card for the 0% 1 yr. Their AMEX has the best rewards that is the first card I got, the 2nd is their discover whose rewards structure is useless.
Oh awesome! thanks for replying. I don't use my card for puchases either, it's been BT almost every time.
Have you bothered with calling in and getting CLIs on both cards? Yes its how my Amex has made it to 11.5K, I called on the Discover and there were no pre-app offers for a CLI and I wont take HPs for CLIs only for opening new accounts.
I've gotten an auto CLI and then multiple CLI by calling via a SP.
I might call them and ask if they have the ability to move CLs. Does anyone have a backdoor or Credit Analyst number for FNBO?
@Anonymous wrote:Tried a request to obtain an FNBO Amex (no annual fee) through the EO. Explained they could utilize CL from the FNBO Discover Card (useless). They sent a letter stating their licensing agreement aith American Express would not allow them to issue me an FNBO Amex since I was outside there bank service area. Originally, I was pre-qualified for their Bucksback Visa and later upgraded to their Vision Visa Signature and offered a pre-screened opportunity for the FNBO Discover Card. Thus two cards. As we all know their FNBO Discover rewards are not competitive in today's rewards market place. So, I wanted to try and move to the FNBO Amex. No go from the credit card president's office. As a note, when they pre-screened me they were not marketing to their bank service area (US wide then).
That is BS, I am well outside their service area and got their AMEX via invitation to apply, its the only way you can get one outside their normal service area.
I've been an FNBO cardholder for over 6 years now and I had no clue about the free FICO score! Thanks for letting me in on that...must have been added semi-recently
