topic Re: FNBO SP CLI’s On 2 Personal Cards in Credit Card Approvals

FNBO SP CLI’s On 2 Personal Cards

RealEstateGuy89 — Sat, 12 Aug 2023 01:48:33 GMT

I was thinking it was about time to ask for a CLI on my 2 personal FNBO cards so I checked to see how long it had been and I was just a week over 4 months. So, I called in and got a nice CS representative. I asked about my first card which is a Farm and Fleet FNBO MasterCard. This is my first FNBO card. She said I had a soft pull CLI available.

She asked my total income and what my house payment was. Within a few seconds, she told me that there was a $3000 CLI available and asked me if I would like to accept it. I said of course, I would be glad to! So, it was added to the card immediately which increased my credit limit to $17,450.

She asked me if there was anything else she could do and I said would you please try one more credit card? So, I had her try my personal FNBO Evergreen. She asked the same questions that she had before and submitted it. It came back with a $3000 CLI available. She again asked me if I would accept it, to which I said of course! This CLI on my FNBO Evergreen MasterCard increased its credit limit to $24,950.

I now have 5 credit cards at FNBO altogether but I believe you can only ask this way on personal credit cards. I will try to call and ask about my business cards to see if they can be increased this way or not. I have attached the 2 notifications I got in the mail from FNBO today announcing the CLI’s and new cash limits.

Both cards were fairly easy for me to get. Right now, my Experian credit score is 755 and my TransUnion is 772. Both cards pulled my Experian credit reports and my credit score when approved for the Farm and Fleet Mastercard was right around 670 (I was approved instantly inside the store with a $1900 initial credit limit). When I was approved for the Evergreen MasterCard ($15,000 initial credit limit) I can’t remember my exact credit score but it wasn’t as high as it is now.

I encourage anyone interested and within the FNBO footprint to give the FNBO Evergreen a try. It has been very positive for me and I have earned much return with the 2% back between the personal and business Evergreen cards.

I would urge anybody interested in a soft pull CLI from FNBO to call in over the phone ONLY and ask whether a soft pull is available first. That way you can make the decision then whether you want to move ahead with it or not.

Re: FNBO SP CLI’s On 2 Personal Cards

CreditMagic7 — Sat, 12 Aug 2023 02:15:23 GMT

@RealEstateGuy89 wrote:
I was thinking it was about time to ask for a CLI on my 2 personal FNBO cards so I checked to see how long it had been and I was just a week over 4 months. So, I called in and got a nice CS representative. I asked about my first card which is a Farm and Fleet FNBO MasterCard. This is my first FNBO card. She said I had a soft pull CLI available.

She asked my total income and what my house payment was. Within a few seconds, she told me that there was a $3000 CLI available and asked me if I would like to accept it. I said of course, I would be glad to! So, it was added to the card immediately which increased my credit limit to $17,450.

She asked me if there was anything else she could do and I said would you please try one more credit card? So, I had her try my personal FNBO Evergreen. She asked the same questions that she had before and submitted it. It came back with a $3000 CLI available. She again asked me if I would accept it, to which I said of course! This CLI on my FNBO Evergreen MasterCard increased its credit limit to $24,950.

I now have 5 credit cards at FNBO altogether but I believe you can only ask this way on personal credit cards. I will try to call and ask about my business cards to see if they can be increased this way or not. I have attached the 2 notifications I got in the mail from FNBO today announcing the CLI’s and new cash limits.

Both cards were fairly easy for me to get. Right now, my Experian credit score is 755 and my TransUnion is 772. Both cards pulled my Experian credit reports and my credit score when approved for the Farm and Fleet Mastercard was right around 670 (I was approved instantly inside the store with a $1900 initial credit limit). When I was approved for the Evergreen MasterCard ($15,000 initial credit limit) I can’t remember my exact credit score but it wasn’t as high as it is now.

I encourage anyone interested and within the FNBO footprint to give the FNBO Evergreen a try. It has been very positive for me and I have earned much return with the 2% back between the personal and business Evergreen cards.

I would urge anybody interested in a soft pull CLI from FNBO to call in over the phone ONLY and ask whether a soft pull is available first. That way you can make the decision then whether you want to move ahead with it or not.

Congrats on your FNBO SP CLIs!

Re: FNBO SP CLI’s On 2 Personal Cards

firefox100 — Sat, 12 Aug 2023 02:25:14 GMT

Congratulations on your fnbo credit increases enjoy them both, have fun.

Re: FNBO SP CLI’s On 2 Personal Cards

KingRue8500 — Sat, 12 Aug 2023 03:33:39 GMT

Congrats on your FNBO CLI's

Re: FNBO SP CLI’s On 2 Personal Cards

Meanmchine — Sat, 12 Aug 2023 03:33:49 GMT

Double congrats !

Re: FNBO SP CLI’s On 2 Personal Cards

Rdbeetle — Sat, 12 Aug 2023 06:10:51 GMT

Congrats on your two FNBO CLIs!!!

Re: FNBO SP CLI’s On 2 Personal Cards

JoeRockhead — Sat, 12 Aug 2023 10:17:35 GMT

Congratulations on your CLIs!

Re: FNBO SP CLI’s On 2 Personal Cards

mgood — Sat, 12 Aug 2023 11:19:24 GMT

Congrats on the double CLI!

@RealEstateGuy89 wrote:
This CLI on my FNBO Evergreen MasterCard increased its credit limit to $24,950.

Don't be surprised if the next CLI on this one is $50, lol. Seems like they don't usually go over $25k. (Although @Jnbmom 's DH recently got an auto-CLI pushing a card higher than that, so there is hope.)

Re: FNBO SP CLI’s On 2 Personal Cards

NoMoreDebt — Sun, 13 Aug 2023 17:41:13 GMT

congrats on the cli's

Re: FNBO SP CLI’s On 2 Personal Cards

CreditAggie — Sun, 13 Aug 2023 20:49:40 GMT

Congratulations on your FNBO CLIs!