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Frequent Contributor
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
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Overstock.com Credit Card

Anyone have this card? Hard to get? I believe it is First National Bank of Omaha but I could be wrong. Thinking of apping for this card after June if their promos are as good (discounts/statement credits/etc), just curious of acceptance requirements if anyone is willing to share! Thank you as always for any replies :smileyhappy:

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
FinStar
Posts: 6,980
Registered: ‎10-21-2012
0

Re: Overstock.com Credit Card


QAMngrGirl wrote:

Anyone have this card? Hard to get? I believe it is First National Bank of Omaha but I could be wrong. Thinking of apping for this card after June if their promos are as good (discounts/statement credits/etc), just curious of acceptance requirements if anyone is willing to share! Thank you as always for any replies :smileyhappy:


It is underwritten/serviced by FNBO, which has been known to be a somewhat conservative bank.  Same underwriting criteria applies for this card as with any of their other FNBO credit card products (above average FICO score, no negative history, inquiry/new accounts/utilization sensitive).

Frequent Contributor
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
0

Re: Overstock.com Credit Card


FinStar wrote:

QAMngrGirl wrote:

Anyone have this card? Hard to get? I believe it is First National Bank of Omaha but I could be wrong. Thinking of apping for this card after June if their promos are as good (discounts/statement credits/etc), just curious of acceptance requirements if anyone is willing to share! Thank you as always for any replies :smileyhappy:


It is underwritten/serviced by FNBO, which has been known to be a somewhat conservative bank.  Same underwriting criteria applies for this card as with any of their other FNBO credit card products (above average FICO score, no negative history, inquiry/new accounts/utilization sensitive).


Thank you :smileyhappy:

I don't see them on whogavemecredit, anyone know who they pull? I'm in FL

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
FinStar
Posts: 6,980
Registered: ‎10-21-2012
0

Re: Overstock.com Credit Card

They typically pull Equifax for the most part.

Senior Contributor
Open123
Posts: 4,220
Registered: ‎02-23-2011
0

Re: Overstock.com Credit Card

In my view, there are better offers out there.

 

From what I know, FNBO is a hard approval.  Not sure if it's worth $20 bucks and free shipping?


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