topic Re: FNBO co-branded card: New York Life Reward vs Overstock in Credit Cards

FNBO co-branded card: New York Life Reward vs Overstock

csryang — Thu, 16 Oct 2014 00:58:45 GMT

Which one will you choose and why?

Re: FNBO co-branded card: New York Life Reward vs Overstock

Dw4250 — Thu, 16 Oct 2014 01:18:18 GMT

Probably neither. The NYL Visa has kind of so so rewards, but does have a great BT rate. 5.9% for life is great if you plan on leaving s balance for a long time.

Don't bother with Overstock unless you shop there A LOT.

Re: FNBO co-branded card: New York Life Reward vs Overstock

csryang — Thu, 16 Oct 2014 03:00:32 GMT

The reason why I am thinking about these two cards is because I would like a free EX score. I think these two cards are the better FNBO cards.

Re: FNBO co-branded card: New York Life Reward vs Overstock

wacdenney — Thu, 16 Oct 2014 03:28:01 GMT

This one is also FNBO and comes with a free EX FICO: http://www.swagbucks.com/p/swagbucks-credit-card

I was denied as always by FNBO. I only applied because I wanted the EX FICO so no biggie, but I will never apply for anything from them again!

Re: FNBO co-branded card: New York Life Reward vs Overstock

csryang — Fri, 17 Oct 2014 02:05:28 GMT

@wacdenney wrote:
This one is also FNBO and comes with a free EX FICO: http://www.swagbucks.com/p/swagbucks-credit-card

I was denied as always by FNBO. I only applied because I wanted the EX FICO so no biggie, but I will never apply for anything from them again!

I did some research on Swag Bucks points. With this card, you spend $1 and get 1.25 swag bucks = 1.25 cent back in Visa giftcard or 1.38 cent back in Amazon gift card.

With Overstock, you have 8% back when shopping there and 1% elsewhere. With NY life reward, you get 5.99% APR the first 3 months and also 1.5 points per $1 spend.

Any other thoughts? What's your favorite FNBO co-branded card?

Re: FNBO co-branded card: New York Life Reward vs Overstock

wacdenney — Fri, 17 Oct 2014 02:56:24 GMT

Ah ok... I thought you were just out for the free EX FICO and I believe the underwriting is a little less stringent on the swag card. If you can actually meet their underwriting criteria and are just looking for the best rewards then NY Life sounds best to me.

Re: FNBO co-branded card: New York Life Reward vs Overstock

csryang — Fri, 17 Oct 2014 05:02:39 GMT

@wacdenney wrote:
Ah ok... I thought you were just out for the free EX FICO and I believe the underwriting is a little less stringent on the swag card. If you can actually meet their underwriting criteria and are just looking for the best rewards then NY Life sounds best to me.

So... what's their underwriting criteria? What's your stats like? How come you did not get approved?

I live in Omaha if that helps... I don't think their own credit cards offer any good rewards, so I am looking for their co-branded cards.

Re: FNBO co-branded card: New York Life Reward vs Overstock

Themanwhocan — Fri, 17 Oct 2014 05:29:42 GMT

I like the Savingstar.com American Express. Mainly because I already use SavingStar occasionally. The new online shopping portal with credit card looks good as well. Being able to cash out when you have $5 or more accrued is also nice.

But, its all about the EX score. And they really dont like a lot of inq, so its made of unobtainium for me at the moment.

Re: FNBO co-branded card: New York Life Reward vs Overstock

wacdenney — Fri, 17 Oct 2014 12:22:27 GMT

@Themanwhocan wrote:

But, its all about the EX score. And they really dont like a lot of inq, so its made of unobtainium for me at the moment.

This is my situation as well. I was just after the EX FICO, but was denied. Too many INQs was listed amoung a couple of other standard type denial reasons.

Re: FNBO co-branded card: New York Life Reward vs Overstock

12njoy — Sun, 18 Oct 2015 05:34:30 GMT

@wacdenney wrote:
@Themanwhocan wrote:

But, its all about the EX score. And they really dont like a lot of inq, so its made of unobtainium for me at the moment.
This is my situation as well. I was just after the EX FICO, but was denied. Too many INQs was listed amoung a couple of other standard type denial reasons.

@I just got approved for the Sun Coast Airlines Visa Signature @ $10,000 yesterday with 34 EX inquiries at time of application. I went back to the well today to see if I could score Overstock.com Mastercard. Gave me the 2-4 week notification but then had the following

Thank You

Please be aware that your new card and all further Overstock.com credit card communications may be branded with Overstock.com and/or First Bankcard.

Re: FNBO co-branded card: New York Life Reward vs Overstock

woodyman100 — Mon, 19 Oct 2015 00:41:32 GMT

Good news?! Fingers crossed!👍🏻