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Overstock.com Credit Card

Frequent Contributor

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 Smiley Happy

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


Message 1 of 5
4 REPLIES
Senior Contributor

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 Smiley Happy


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).

Message 2 of 5
Frequent Contributor

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 Smiley Happy


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 Smiley Happy

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+


Message 3 of 5
Senior Contributor

Re: Overstock.com Credit Card

They typically pull Equifax for the most part.

Message 4 of 5
Super Contributor

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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