topic Re: FNBO Evergreen $2.5k Approved in Credit Card Approvals

FNBO Evergreen $2.5k Approved

Drifter73 — Wed, 11 Jan 2023 23:18:35 GMT

This was actually my last app for 2022, but it took a few weeks for them to get the card to me.

Pulled Exp. (744)

New Accounts at time of app: 5/6 - 7/12

2% cb everything

SL: $2.5k

0%apy for 12mo's on purchases and balance transfers

Added to my daily driver card deck.

Re: FNBO Evergreen $2.5k Approved

805orbust — Wed, 11 Jan 2023 23:45:18 GMT

Nice. I love that card. Got quite a bit of cash deposited into my savings account thru that one this year... well, last year.

Re: FNBO Evergreen $2.5k Approved

NoMoreDebt — Wed, 11 Jan 2023 23:46:55 GMT

congrats on the approval

Re: FNBO Evergreen $2.5k Approved

Drifter73 — Thu, 12 Jan 2023 01:30:30 GMT

@805orbust wrote:
Nice. I love that card. Got quite a bit of cash deposited into my savings account thru that one this year... well, last year.

Exactly! I like the direct deposit ACH cb option. It pairs well with my Citi Custom Cash that has the same ACH option. I put all cb from ACH cards like that into a retirement account and just keep stacking (including the subs). Handy dandy

Re: FNBO Evergreen $2.5k Approved

KingRue8500 — Thu, 12 Jan 2023 02:23:29 GMT

Congrats on your FNBO Evergreen approval

Re: FNBO Evergreen $2.5k Approved

Anonymalous — Thu, 12 Jan 2023 09:43:14 GMT

Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.

Re: FNBO Evergreen $2.5k Approved

JoeRockhead — Thu, 12 Jan 2023 12:47:51 GMT

Nice, congrats on your new FNBO Evergreen!!

Re: FNBO Evergreen $2.5k Approved

805orbust — Thu, 12 Jan 2023 14:08:53 GMT

@Drifter73 agreed wholeheartedly!

Re: FNBO Evergreen $2.5k Approved

Drifter73 — Thu, 12 Jan 2023 16:01:46 GMT

@Anonymalous wrote:
Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.

I was kind of hoping they would do an auto increase by the the 7th statement cut without me having to call after they see they are part of my daily driver card set getting lots of swipe love.

I think I read a few reviews stating that they do Auto increases.

I don't need padding anymore with my total limits and low 6% Utilization, so I try not to over reach cli requests that may result in cld's later when I don't use enough of the limits requested.

I feel that if I keep the Increases organic, as best as i can, I have less chances of cld surprises later. 😀

Re: FNBO Evergreen $2.5k Approved

Anonymalous — Thu, 12 Jan 2023 16:34:45 GMT

@Drifter73 wrote:
@Anonymalous wrote:
Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.
I was kind of hoping they would do an auto increase by the the 7th statement cut without me having to call after they see they are part of my daily driver card set getting lots of swipe love.

I think I read a few reviews stating that they do Auto increases.

I don't need padding anymore with my total limits and low 6% Utilization, so I try not to over reach cli requests that may result in cld's later when I don't use enough of the limits requested.

I feel that if I keep the Increases organic, as best as i can, I have less chances of cld surprises later. 😀

I can respect that. When I was brand new to credit and had to struggle with a $300 CL, I prioritized getting workable CLs. But that's worked out fairly well, to the point where I'm pretty happy with most of my limits, so I've stopped requesting CLIs on most of them. I should be eligible for another CLI on my Evergreen for instance, but I may or may not bother.

Re: FNBO Evergreen $2.5k Approved

Drifter73 — Thu, 12 Jan 2023 17:57:31 GMT

@Anonymalous wrote:
@Drifter73 wrote:
@Anonymalous wrote:
Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.
I was kind of hoping they would do an auto increase by the the 7th statement cut without me having to call after they see they are part of my daily driver card set getting lots of swipe love.

I think I read a few reviews stating that they do Auto increases.

I don't need padding anymore with my total limits and low 6% Utilization, so I try not to over reach cli requests that may result in cld's later when I don't use enough of the limits requested.

I feel that if I keep the Increases organic, as best as i can, I have less chances of cld surprises later. 😀
I can respect that. When I was brand new to credit and had to struggle with a $300 CL, I prioritized getting workable CLs. But that's worked out fairly well, to the point where I'm pretty happy with most of my limits, so I've stopped requesting CLIs on most of them. I should be eligible for another CLI on my Evergreen for instance, but I may or may not bother.

Ya, when I started my second rebuild in 2020 I mashed the cli request buttons all the time to get limits to usable numbers.

By the start of 2022 (2 years later), I finally matched my total cl with my yearly income. 6 months after that, I doubled my yearly income in total CL with just automated cli's.

So now I just sit back, do normal spend, dump cb into retirement fund, and readjusting my 2023 game to only 2 apps for this year (will be business building targeted) until I readjust again.

Re: FNBO Evergreen $2.5k Approved

cashorcharge — Fri, 13 Jan 2023 18:43:22 GMT

WooHoo!! Congratulations on your FNBO Approval!!👏🏼🍾🥂

Re: FNBO Evergreen $2.5k Approved

CreditAggie — Sun, 15 Jan 2023 03:39:09 GMT

Congratulations on your FNBO Evergreen approval!