topic Re: FNBO Evergreen - CLI info? in Credit Card Applications

FNBO Evergreen - CLI info?

JFox418 — Tue, 11 Jan 2022 21:40:10 GMT

Having a hard time finding any info on higher FNBO Evergreen limits and I'm curious what this card can grow into and how quick. From my research I've seen a comment stating wait 3-4 months and call in to see if they have a SP CLI option and not to go through the online portal. I've also seen some SL approvals of $20.6k.

I was approved for $15k @ %14.99 about a month ago. I did a large BT and have already ran a good amount through the card and will get the $200 SUB. Curious when would be a good time to approach them for a CLI if it's a SP and what kind of limits this could grow to?

Re: FNBO Evergreen - CLI info?

M_Smart007 — Wed, 12 Jan 2022 03:06:48 GMT

Here is some DP's on SP CLI's.

I believe that 6 months is about the right time to ask?

I am not sure how high the cards can grow in CL?

This is a question that I have been pondering?

@coldfusion Probably has the answer for us

Re: FNBO Evergreen - CLI info?

RealEstateGuy89 — Wed, 12 Jan 2022 03:07:30 GMT

@JFox418 wrote:
Having a hard time finding any info on higher FNBO Evergreen limits and I'm curious what this card can grow into and how quick. From my research I've seen a comment stating wait 3-4 months and call in to see if they have a SP CLI option and not to go through the online portal. I've also seen some SL approvals of $20.6k.

I was approved for $15k @ %14.99 about a month ago. I did a large BT and have already ran a good amount through the card and will get the $200 SUB. Curious when would be a good time to approach them for a CLI if it's a SP and what kind of limits this could grow to?

They offered it to me automatically at 6 months and I wasn't expecting it. It was a $1400 increase and I was happy with that. You might have already seen my post about it a couple weeks ago but thought I would reply in case you didn't see it yet.

Re: FNBO Evergreen - CLI info?

Sharpism — Wed, 12 Jan 2022 06:34:15 GMT

To add some data points. I have had an FNBO card a little over a year ago (before the Evergreen was released) and I have recieved two auto cli, each being approximately 4-6 months apart.

I called yesterday to ask if I had any sp cli offers available on my account. The representative put me on hold for about 30 seconds, after which she said that I was not eligible because it hadn't been 4 months since my last. I asked when I would be eligible again and she said after the 21st of next month which would be exactly 4 calendar months since my last increase.

Always take what they say with a grain of salt because not all of them know for sure the correct answers but I would say they likely have a minimum of 4 months rule but that can sometimes turn into 5 or 6 depending on a few factors and each person's individual profile. That being said I hope this helps.

Re: FNBO Evergreen - CLI info?

JFox418 — Wed, 12 Jan 2022 13:11:12 GMT

Thanks everyone, seems like calling in after 4 months would be a good start! My hope is with my BT balance and telling them I'd like to keep using it for my %2 they'll give me a decent little bump to help out with the UTIL on the card.

Re: FNBO Evergreen - CLI info?

Winesnoblv — Wed, 12 Jan 2022 14:16:30 GMT

I received an auto cli last week of $2,300 after having the card for 6 months.

Have had heavy usage with the 0% interest promo.

I would guess 6 months to request a cli.

Re: FNBO Evergreen - CLI info?

Junejer — Wed, 12 Jan 2022 20:00:49 GMT

@Winesnoblv wrote:
I received an auto cli last week of $2,300 after having the card for 6 months.
Have had heavy usage with the 0% interest promo.
I would guess 6 months to request a cli.

If you don't mind, what was your SL and what do you consider heavy usage?

Re: FNBO Evergreen - CLI info?

JFox418 — Wed, 12 Jan 2022 20:09:06 GMT

@Junejer wrote:
@Winesnoblv wrote:
I received an auto cli last week of $2,300 after having the card for 6 months.
Have had heavy usage with the 0% interest promo.
I would guess 6 months to request a cli.

If you don't mind, what was your SL and what do you consider heavy usage?

Good questions and also I'm assuming you carried a balance if you were using the %0?

Re: FNBO Evergreen - CLI info?

jj10939 — Thu, 13 Jan 2022 04:00:28 GMT

You're eligible for your first CLI at six months. Then, call in every four months after to see if there are any SP CLI available.

Re: FNBO Evergreen - CLI info?

Junejer — Thu, 13 Jan 2022 16:47:09 GMT

@JFox418 wrote:
@Junejer wrote:
@Winesnoblv wrote:
I received an auto cli last week of $2,300 after having the card for 6 months.
Have had heavy usage with the 0% interest promo.
I would guess 6 months to request a cli.

If you don't mind, what was your SL and what do you consider heavy usage?
Good questions and also I'm assuming you carried a balance if you were using the %0?

If you were asking this of me, I haven't carried a balance on the card yet. I have three other cards (2 biz, 1 personal) that have 0% for the next year. I will likely carry a balance on one of those biz cards for a few months. I'm typically a PIF guy, so this, while financially feasible, hurts my brain a bit.

Re: FNBO Evergreen - CLI info?

GApeachy — Thu, 13 Jan 2022 16:56:20 GMT

Any dp's when one has an active bt? (did I miss that? )

Re: FNBO Evergreen - CLI info?

JFox418 — Thu, 13 Jan 2022 18:39:30 GMT

@Junejer wrote:
@JFox418 wrote:
@Junejer wrote:
@Winesnoblv wrote:
I received an auto cli last week of $2,300 after having the card for 6 months.
Have had heavy usage with the 0% interest promo.
I would guess 6 months to request a cli.

If you don't mind, what was your SL and what do you consider heavy usage?
Good questions and also I'm assuming you carried a balance if you were using the %0?
If you were asking this of me, I haven't carried a balance on the card yet. I have three other cards (2 biz, 1 personal) that have 0% for the next year. I will likely carry a balance on one of those biz cards for a few months. I'm typically a PIF guy, so this, while financially feasible, hurts my brain a bit.

Thanks, but was curious about @Winesnoblv since they mentioned the %0 interest. I'm trying to be the PIF guy but have some balances to pay off to get there. Currently have a %0 BT on mine right now.

Re: FNBO Evergreen - CLI info?

TryItAgain — Mon, 17 Jan 2022 16:58:19 GMT

I opened my FNBO Evergreen card account in May 2021, at a $15k SL. I hit the 0% hard to 14k and stopped in first 2 months, then paid it down to roughly half to now. I know asking for CLI on the website IS a HP, but after reading this thread I called and asked if any SP CLI offer was available. She was incredibly nice and placed me on maybe 20-30 second hold and came back with a sorry not at this time.

However, the next day my limit went up to $18k. So I am unsure what happened but it sure seemed like a manual triggered increase there. This was a SP, and I expressed that I was buying a new house this year and could not take a HP, she assured me that checking *IF* a CLI offer is availble by phone will not trigger a HP.

Hope this helps, YMMV.

Re: FNBO Evergreen - CLI info?

Taurus22 — Thu, 20 Jan 2022 05:49:16 GMT

Just wanted to offer some input here. FNBO is definitely SP CLI every 4 months, calling in to a CSR. However, it sounds like some Evergreen cardholders are showing evidence of auto-CLI's at the 6 month mark, as well.

I called in July '21, received a $3k CLI on my Ducks UNL card.....then called again Dec. '21 and received another $5k CLI. (That was 5 months apart, but just wanted to make sure I cleared the 4-month mark....I tend to play it safe)

If it were me, I'd wait for the 6-month auto-CLI since that seems to be a common DP for Evergreen holders, then every 4 months afterward you can call in and ask if a CLI is available.

Re: FNBO Evergreen - CLI info?

Thermionic_E — Fri, 25 Feb 2022 18:37:49 GMT

I was approved for 15k June 16 and kept a balance of 14k on the card until two months ago paying it down to 12k and then going back up and for February I paid my balance down to $2990... mainly because I realized my business Experian score had dropped severely due to the utilization, and I'm not sure if I should pay it to zero before asking for a cli, but I would like more than 3k hopefully. The only reason my business experian score is low at 49 is this utilization still reporting at almost one hundred percent. I was told they update the buruewa three days after statement cut, but I have a reporting date of the 8th: three days before my due date.