topic Re: FNBO Evergreen CLI in Credit Card Approvals

FNBO Evergreen CLI

Sbrav77 — Fri, 05 Apr 2024 17:26:04 GMT

Yesterday I went to the FNBO sight and clicked on the credit limit increase box. A few days ago, it showed no accounts available for a credit increase. This time it allowed me to submit the request. I was at a $15,000 cl. The card had actually started with a $6500.00 limit when I opened it. I was gonna ask for $18,000 total and at the last second decided to go big and request a $5,000 increase instead. It came back with the account review in 5-8 days message and ended up with an Experian hard pull. I checked my account today and found they had approved the full $5,000 cli. Bringing my new credit limit to $20,000. It was worth the hard pull.

Re: FNBO Evergreen CLI

TSlop — Fri, 05 Apr 2024 18:03:15 GMT

Congrats on your CLI!

Re: FNBO Evergreen CLI

CYBERSAM — Fri, 05 Apr 2024 18:25:14 GMT

Congrats on your FNBO Evergreen CLI 🤑👍

Your next CLI should be SP to 25K if you call them!

Re: FNBO Evergreen CLI

keekers — Fri, 05 Apr 2024 18:28:47 GMT

Congrats!

Re: FNBO Evergreen CLI

JoeRockhead — Fri, 05 Apr 2024 18:41:49 GMT

Nice, congratulations on your FNBO CLI.

Re: FNBO Evergreen CLI

Sbrav77 — Fri, 05 Apr 2024 19:38:32 GMT

Should I wait the 4 months, then call and ask if I have a SP CLI available?

Re: FNBO Evergreen CLI

CYBERSAM — Fri, 05 Apr 2024 20:11:58 GMT

@Sbrav77 wrote:
Should I wait the 4 months, then call and ask if I have a SP CLI available?

for me it was 6 months from SP to SP, but they did a HP for you and probably left some on the table! So you can try them over the phone. But someone else with more recent data probably can verify.

Re: FNBO Evergreen CLI

CorpCrMgr1 — Fri, 05 Apr 2024 20:53:50 GMT

Congratulations on your CLI!

Re: FNBO Evergreen CLI

SouthJamaica — Fri, 05 Apr 2024 22:14:49 GMT

Congratulations on the CLI approval, and thanks for the information on how you got it.

Re: FNBO Evergreen CLI

MySunrise271 — Sat, 06 Apr 2024 03:38:06 GMT

Congratulations on your FNBO CLI🎉🎉🎉

Re: FNBO Evergreen CLI

NoMoreDebt — Sat, 06 Apr 2024 12:30:58 GMT

congrats on the cli

Re: FNBO Evergreen CLI

mgood — Sat, 06 Apr 2024 14:47:17 GMT

@CYBERSAM wrote:
@Sbrav77 wrote:
Should I wait the 4 months, then call and ask if I have a SP CLI available?
for me it was 6 months from SP to SP, but they did a HP for you and probably left some on the table! So you can try them over the phone. But someone else with more recent data probably can verify.

Same here, 6 months between SP CLIs though some people were getting them at 4.

I had my reports frozen and would call and ask if I could get a CLI with a SP.

The rep would usually tell me he couldn't promise if it would be SP or HP and ask if I wanted to continue. Since my accounts were frozen, I told him to go for it.

If I was approved with a SP, he'd tell me how much I got. If not, he'd tell me I'd get a letter in so many days. Letter would arrive saying they didn't approve an increase because they couldn't access my reports.
I went from $11.3k to $16.3k to $21.3k to $25k every six months. I think $25k is as high as they go without a HP. Since that's my highest CL by a pretty good margin, and realistically more than I need anyway, I stopped requesting CLIs at that point.

Re: FNBO Evergreen CLI

RealEstateGuy89 — Sat, 06 Apr 2024 16:51:08 GMT

@Sbrav77 wrote:
Should I wait the 4 months, then call and ask if I have a SP CLI available?

Congratulations on your FNBO CLI!

Yes, wait exactly 4 months and then call in over the phone and ask them for a SP CLI. I increased mine every four months and kept track of it on my calendar. I could never wait six months unless they made me 🤣

My Evergreen card started out at $15,000 and I've had two or three CLI's since then and I am currently at $24,950. I was told that if I wanted to go any higher than $25,000, that it would be a HP. I'm not sure if I will request to go any higher or not. My last increase was $5000, but I had one for $3000 not too long ago too. I have two personal FNBO cards and two business FNBO cards. The other personal card was my first FNBO card from many years ago that started out at $1900 and after several recent CLI's, it is currently at $22,450. My business FNBO cards are both at the $15,000 limits that they started out with because I don't want to use a HP to get a CLI. Maybe I will someday in the future.

When you call, they will ask you a few questions about your income and housing but overall it has been fairly easy to get my limit increased. Love FNBO!

Re: FNBO Evergreen CLI

Sbrav77 — Sat, 06 Apr 2024 19:12:11 GMT

I had been getting regular sp auto cli's every 6 months exactly. This was the second time I had requested a cli myself. The first was granted with a sp. This time maybe since it was a larger request, they did the hp. Most of my increases before were around $1750.00 each time.

Re: FNBO Evergreen CLI

Traveler101 — Sat, 06 Apr 2024 20:46:22 GMT

Congratulations 🎊

Re: FNBO Evergreen CLI

Rdbeetle — Sat, 06 Apr 2024 22:57:33 GMT

Congrats of your FNBO CLI!!!

Re: FNBO Evergreen CLI

firefox100 — Sat, 06 Apr 2024 23:34:16 GMT

Congratulations on Your FNBO credit increase enjoy it have fun.

Re: FNBO Evergreen CLI

padme — Sun, 07 Apr 2024 02:17:59 GMT

been sitting @16k forever asked for 20k also..

Re: FNBO Evergreen CLI

FicoMike0 — Sun, 07 Apr 2024 02:18:36 GMT

congratulations!

Re: FNBO Evergreen CLI

CreditAggie — Sun, 21 Apr 2024 23:35:21 GMT

Congratulations on your FNBO CLI!