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Overstock... Anyone have?

Epic Contributor

Overstock... Anyone have?

Anyone have it? First National Bank of Omaha...

 

They are not BK friendly are they?

What credit report pull

min. score

credit lines?

Message 1 of 7
6 REPLIES
Frequent Contributor

Re: Overstock... Anyone have?

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

651-700:$4875

701-750:7612

>750:10,369

 

 

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.

 

Message 2 of 7
Super Contributor

Re: Overstock... Anyone have?

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%.

 

 

Ron

Message 3 of 7
Established Contributor

Re: Overstock... Anyone have?

I have a FNBO BucksBack Visa.  They pulled EX, and also gave me a starting line of 15k. 

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 4 of 7
Senior Contributor

Re: Overstock... Anyone have?

For some reason thought the overall terms from a FNBO product would be somewhat more appealing.

 

Here's a slightly oddball fee:

 

"Card Fee

Additional/Replacement: $10"

 

So if you get it, don't ever lose it Smiley Tongue

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 5 of 7
Established Contributor

Re: Overstock... Anyone have?

 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

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 6 of 7
Regular Contributor

Re: Overstock... Anyone have?

First National us Bankruptcy Friendly but you must have 2-3 years ree stablished credit. They have a secured card that is too.
Chapter 7 Discharge April 2015. .Transunion 662 07/2017
Equifax 652 07/2017
Experian 657 07/2017
Cap One QS $2,200; Cap One QS$2,950; Cap One PSVisa $1,100; Nordstrom Visa $3,500; Target $300; Syncb/Walmart $500; VonMaur $500; Cap1/Saks $500; Barclays MC(AU) $6,400; Buckle $250; Syncb/Car Care (AU) $2,500.
Message 7 of 7