topic Re: FNBO SP CLI in Credit Card Approvals

FNBO SP CLI

Anonymous — Mon, 26 Oct 2020 21:30:50 GMT

Today was 4 months since my last FNBO CLI so I called the easy access CLI line (800) 444-6220, Option 2 and after a few seconds wait had a live person on the phone. I gave housing & annual income and moments later had my 3k CLI approved. It's already updated on the web portal. New CL is $19,000. I'm on a four-month cycle with them so I'll ask again in June.

Btw, FNBO regularly sends out checks that give an APR over the life of the loan (vs. the more common 0% or 1.9% for 12 months, like Navy or other cards). I just got some in the mail Saturday for 5.9%. So if I had some longer term debt sitting around I could conceivably move it FNBO. I'd take a hit on Util but save $$$, assuming I couldn't pay it off in 12 months.

DPs:

Fico scores all 750'ish;

5/7/5 Inq last 12 months;

no baddies;

lol/24.

EDIT to ADD: spend = $25 satelite radio subscription; but this card used to be my main card a couple of years ago, so maybe they wait for me to return to my former madness?

UPDATE (7/11/2020) in Post 33

UPDATE on 10/26/2020:

SP CLI of $3,000 via phone call to credit line number (800-444-6220). New CL = $25,000

Note: DPs roughly the same as OP. However the last two times I've called this number the CSR told me he only did HP CLI & I'd have to call customer service for the SP version (so that CSR could then turn around call his department to check my eligibility?) Hmm, smelled fishy. So I chose to HUCA and got a lovely young lady who said no problemo & made short work of my request.

Re: FNBO SP CLI

Anonymous — Mon, 24 Feb 2020 16:57:29 GMT

Congrats on your increase!

Re: FNBO SP CLI

Anonymous — Mon, 24 Feb 2020 17:07:44 GMT

@Anonymous wrote:
Congrats on your increase!

Thank you.

Btw, I hadn't noticed "moderator" after your handle before -- new?

Either way, Congrats! @JAG73

Re: FNBO SP CLI

M_Smart007 — Mon, 24 Feb 2020 17:11:33 GMT

Congratulations!

Re: FNBO SP CLI

Anonymous — Mon, 24 Feb 2020 19:02:06 GMT

Congratulations on your CLI! 👍

Re: FNBO SP CLI

AllZero — Mon, 24 Feb 2020 19:05:51 GMT

Congratulations on your CLI!Congratulations on your CLI!

Re: FNBO SP CLI

Anonymous — Mon, 24 Feb 2020 20:11:44 GMT

@AllZero wrote:
Congratulations on your CLI!Congratulations on your CLI!

Lol. Thank you. Thank you.

Re: FNBO SP CLI

AllZero — Mon, 24 Feb 2020 20:39:06 GMT

Oops. Darn paste. Your CLI was so good. I had to post it twice. 😝

Re: FNBO SP CLI

AverageJoesCredit — Mon, 24 Feb 2020 20:41:25 GMT

GRTS J THX 4 DPS

Re: FNBO SP CLI

Traveler101 — Mon, 24 Feb 2020 21:22:28 GMT

Congrats!

Re: FNBO SP CLI

NimbusIII — Mon, 24 Feb 2020 21:24:11 GMT

Congratulations on your CLI!

Re: FNBO SP CLI

Anonymous — Mon, 24 Feb 2020 23:26:13 GMT

Congrats on your FNBO SP increase!

Re: FNBO SP CLI

19eighty5 — Tue, 25 Feb 2020 03:04:50 GMT

Congratulations!

Re: FNBO SP CLI

JoeLuvsHisCredit — Tue, 25 Feb 2020 03:10:54 GMT

Congratulations

Re: FNBO SP CLI

RootDet — Wed, 26 Feb 2020 02:12:55 GMT

Congrats.

They give me nothing but CLD for not using enough of the credit line in relation to the limit. So start using it more fully or they might slash it by half at somepoint.

Re: FNBO SP CLI

Meanmchine — Wed, 26 Feb 2020 05:56:30 GMT

Congrats James

I wish Comenity would give me $3k every four months

Re: FNBO SP CLI

Anonymous — Wed, 26 Feb 2020 05:53:51 GMT

@Meanmchine wrote:
Congrats James
I wish Comenity would give me $3k evefry four months

Thanks, M. Here's to 2020 & all the CLI your heart desires!

Re: FNBO SP CLI

zerofire — Sat, 29 Feb 2020 18:24:52 GMT

Congratulations on your new found liquidity.

First National Bank of Omaha might be conservative in their lending policies but they do keep a fire hose in the back. Anyone that explicitly asks for it can drown in credit for all they care.

Re: FNBO SP CLI

blindambition — Sat, 29 Feb 2020 18:30:09 GMT

Congrats on your CLI. Thanks for the DP. When FNBO likes your profile, they really like you. 👏🏻

Re: FNBO SP CLI

Marz2002 — Sat, 29 Feb 2020 18:30:15 GMT

BIG CONGRATS @James_A on your AWESOME FNBO SP CLI and Thanks for the EXCELLENT DPs!