09-23-2011 07:00 PM
I don't have the card myself.
The average score is about 694 according to CreditKarma. CK did not list Overstock specifically. They listed First National Bank of Omaha VISA.
The data table showed that most people who carried the card were between the 701-750 range.
The showed CL by score:
601-650 range: $3206
Looks like they prefer UTIL under 20% at least. 49% of the people approved had 10% UTIL or less.
No comment if they are BK friendly. Doesn't seem like an easy card IMO.
09-23-2011 07:01 PM - edited 09-23-2011 07:03 PM
Two months ago, I got pre-approval for Platinum Edition Visa. I applied online and I didn't instant approval. I checked the status on the following. I got approved for $15K. THey pulled EXP. I don't have any past due, charge-off or late. credit utilization is less than 1%.
09-23-2011 07:47 PM
I have a FNBO BucksBack Visa. They pulled EX, and also gave me a starting line of 15k.
09-23-2011 08:44 PM
For some reason thought the overall terms from a FNBO product would be somewhat more appealing.
Here's a slightly oddball fee:
So if you get it, don't ever lose it
09-24-2011 03:44 AM
No, it's not very appealing. Pretty straightforward rewards, nothing exciting at all. I thought about closing, but has nice CL for utliization which does report CL
07-22-2014 01:18 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.