topic Re: First National Auto CLI! in Credit Card Approvals

First National Auto CLI!

SpiceIslander — Fri, 22 Feb 2013 19:14:09 GMT

I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

Re: First National Auto CLI!

jamesdwi — Fri, 22 Feb 2013 19:18:51 GMT

@SpiceIslander wrote:
I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

I got the same thing after 6 months, I had about 33% UTL at the time and I started out at a higher CL, so got a bit more. They may be conservative, meaning they do a manual review of all applications but they aren't incredibily picky i was in the low 700's at the time maybe even high 690's when I was approved, I'm lower now, because of UTL but they still gave me the auto-CLI I am going to keep treating them nicely may get a second card with them at some point, and hopefully more auto-cli's.

Re: First National Auto CLI!

myjourney — Fri, 22 Feb 2013 19:33:26 GMT

@SpiceIslander wrote:
I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

Congrats

Re: First National Auto CLI!

Epcot — Fri, 22 Feb 2013 22:01:08 GMT

Congrats on the increase!

Re: First National Auto CLI!

Anonymous — Fri, 22 Feb 2013 22:14:25 GMT

I like FNBO. I have their Discover card. They always have these great balance transfer offers on their cards. For example, I currently have a 5.99% BT offer on my account with them - fixed for life with no BT fee! They also have a promotion going on currently with personal loans starting as low as 5.99% payable up to 36 months. You never get these kind of offers from the big mega banks. In some sense they feel like a credit union.

Re: First National Auto CLI!

Anonymous — Sat, 23 Feb 2013 00:30:04 GMT

Congrats !!