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Regular Contributor
Posts: 245
Registered: ‎12-27-2012
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What is FNBO CLI schedule?

Anybody had a CLI from First National Bank of Omaha credit card. I have a credit card with them and I am wondering what's their schedule for considering a CLI?

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
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Re: What is FNBO CLI schedule?

From the research I've done on 'em, every 4 months, starting from the activation date. You would have to call them and ask if you're pre-approved for a CLI, if yes then you go ahead with it, it will be a SP. If you request it online I hear it's a higher chance of it being a HP. I hope that answers your question.

 

May I ask how did you recieve the card? Did you apply online or did you get a preapproval in the mail from them?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: What is FNBO CLI schedule?


WarJar101 wrote: 

May I ask how did you recieve the card? Did you apply online or did you get a preapproval in the mail from them?


WarJar101 it was an invitation. Apparently the sent the first inviatation to my previous address. I applied when I received he inviation packet at my current address.

Although, theres a lot of bickering about them on the interne. I have been liking their services and perks.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: What is FNBO CLI schedule?


codesingh wrote:

WarJar101 wrote: 

May I ask how did you recieve the card? Did you apply online or did you get a preapproval in the mail from them?


WarJar101 it was an invitation. Apparently the sent the first inviatation to my previous address. I applied when I received he inviation packet at my current address.

Although, theres a lot of bickering about them on the interne. I have been liking their services and perks.


The only perk I know from them is that it's possible to get SP CLIs. Any perks/services that stands out to you in particular?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: What is FNBO CLI schedule?

All my trnx with them so far have been hassle free. 2% on gas and 1% on everything(the only other 1% on everything i know is wells, other cards have difficult categorization of payment vs purchase etc). In MHO I think they are sort of lender which love you if you do your task...always pay in full...before time.

I like their initial CL that they started me with as well.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: What is FNBO CLI schedule?

Do you live in the state where the bank is based or no?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: What is FNBO CLI schedule?

No I don't.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Member
Posts: 43
Registered: ‎04-06-2013
0

Re: What is FNBO CLI schedule?

@codesingh, let us all know what you found out.. i got this FNBO card with initial limit of 6K in July 2012 - got a mail invitation and used for 0% BT. Called the rep for CLI after 4 statements and was able to get it to 9K in Dec but WITH a HP on my EXP (didn't think thats worth a HP). but thats my experience so far. ymmv; i live in GA. 



Starting Score:~ 600 all 3 in 2005 - Last App: TU- June 2013; EQFX - May 2014; EXP - Oct 2014;
Current Score: Dec 2014 - EXP: FNBO-778/900; PremierCreditManager-746/850; CreditSecure-746/850; IdentityGuard-729/850;
EQFX: DCU-723/830; CreditSecure-734/850;
TU: WM-734/850; TUonline-809/990; CKarma-749; Discover-745/850; CapOne-724/850; CSecure-769/850;
Goal Score: > 800 all 3

App-Free Target Date:> JAN 2014 (6 months)
Valued Member
Posts: 44
Registered: ‎02-28-2011
0

Re: What is FNBO CLI schedule?

I just wanted to add that I just followed the process described by warjar and it worked like a charm.  I called, asked the agent if I prequalified for a CLI.  She asked me for my monthly housing payment (rent or mortgage) and my monthly income.  She entered it in the system and in about a second she told me I was prequalified for a $2,000 CLI, which I accepted and she made effective immediately.  It was a soft pull. That took my CL from $3,750 to $5,750.  I've had the card since 2011.  My initial CL was $2,750 and I received an auto CLI to $3,750 about one year later.  There are a lot of people making negative comments about FNBO but in my opinion it's a reaction to their extremely conservative policies.  I have always received excellent service from them and their agents are extremely nice and friendly people (from Nebraska!). 

Member
Posts: 8
Registered: ‎10-30-2011
0

Re: What is FNBO CLI schedule?


WarJar101 wrote:

... You would have to call them and ask if you're pre-approved for a CLI...

Who do I call? Customer Service number on backside of card... or is there a backdoor number? Thanks.

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