topic Re: FNBO Graduates! in Credit Cards

FNBO Graduates!

redheadtempe36 — Fri, 12 Jun 2015 23:36:33 GMT

Not really an approval per se, but FNBO secured Visa graduated as of 6/5. Got the check today. No CLI. They removed the annual fee though. Opened 9/2014. Went from the 580's to (now) 630's.

This is awesome. I could actually use this $1000 right now.

Oh and no HP as far as I can see.

Charged anywhere from 20-50% of the $1000 limit every month. Always PIF.

Re: FNBO Graduates!

I-think-I-can — Fri, 12 Jun 2015 20:30:01 GMT

Congrats!!

Re: FNBO Graduates!

Anonymous — Fri, 12 Jun 2015 20:40:08 GMT

Yes! I called today to see if I could unsecure and they informed me that I have been unsecure since Feb. Never got the check for some reason, but they're resending it.

Congrats!!!

Re: FNBO Graduates!

revjamesl — Fri, 12 Jun 2015 23:24:23 GMT

Congrats!

Re: FNBO Graduates!

redheadtempe36 — Sat, 13 Jun 2015 00:21:03 GMT

Thanks everyone! I was really surprised. My credit isn't ... horrible, but mediorce at best. I was going to give it 18 months before I called and asked.

I've heard FNBO is picky so hence my surpirse. In the grand scheme of things, it isn't a great card (20.99%, no rewards, no AF), but ... there are certainly worse cards out there, especially for someone in the 630's.

Their customer service is on-shore (indeed when you call, they say, "I'm Mike in Omaha, Nebraska"). I actually called to make sure the check was legit. . Couldn't belive it. Hopefully WF is next.

Re: FNBO Graduates!

Dw4250 — Sat, 13 Jun 2015 03:28:12 GMT

Always a great feeling to get that deposit back. Well done and congrats!

Re: FNBO Graduates!

alextercero — Sat, 13 Jun 2015 07:22:59 GMT

Nice! Congrats

Re: FNBO Graduates!

Anonymous — Sat, 13 Jun 2015 07:25:21 GMT

congrats

Re: FNBO Graduates!

RandomSpirit — Mon, 15 Jun 2015 00:00:30 GMT

Congrats!

Re: FNBO Graduates!

DeeBee78 — Mon, 15 Jun 2015 21:58:17 GMT

@redheadtempe36 wrote:
Thanks everyone! I was really surprised. My credit isn't ... horrible, but mediorce at best. I was going to give it 18 months before I called and asked.

I've heard FNBO is picky so hence my surpirse. In the grand scheme of things, it isn't a great card (20.99%, no rewards, no AF), but ... there are certainly worse cards out there, especially for someone in the 630's.

Their customer service is on-shore (indeed when you call, they say, "I'm Mike in Omaha, Nebraska"). I actually called to make sure the check was legit. . Couldn't belive it. Hopefully WF is next.

If it's a challenge you're after, I'd try to get that WF secured card graduated. I had one for two years they wouldn't unsecure.

Re: FNBO Graduates!

bk510 — Tue, 16 Jun 2015 00:24:52 GMT

@Anonymous wrote:
Yes! I called today to see if I could unsecure and they informed me that I have been unsecure since Feb. Never got the check for some reason, but they're resending it.

Congrats!!!

I like your "blackhawk" discover card.

how do I get something like that?

Re: FNBO Graduates!

Anonymous — Tue, 16 Jun 2015 00:27:10 GMT

Thanks! It's pretty awesome.

It's the NHL discover it card.

https://www.discover.com/credit-cards/affinity/nhl.html?ICMPGN=HDR_ALLPS_CC_NHL_IT

Re: FNBO Graduates!

Anonymous — Tue, 16 Jun 2015 00:57:17 GMT

Congrats

Re: FNBO Graduates!

jbsea — Tue, 16 Jun 2015 01:23:42 GMT

Congrats....

Re: FNBO Graduates!

redheadtempe36 — Thu, 29 Oct 2015 23:27:33 GMT

Duplicate

Re: FNBO Graduates!

redheadtempe36 — Thu, 29 Oct 2015 23:42:56 GMT

WF graduates 12/21/2015 bi***es!!!!!

Sorry, little bit excited. Got the letter today! Opened 2/2015, graduates 12/2015. Put up $500. Pretty much maxed out every month, but paid down to less than 5% before the statement cut (usually $0).

They "upgraded" it to their 1% cash back/$0 AF card. Not great, but not horrible. No mention of a CLI (and I'm not expecting one). Woo hoo! This is the last of my secured cards!

Current FICO (from FBNO Experian) is 633. Around 25% utiilzation.

I really have to say that if you treat these banks "right", they will do the "right" thing. It just takes a while.

@DeeBee78 wrote:
@redheadtempe36 wrote:
Thanks everyone! I was really surprised. My credit isn't ... horrible, but mediorce at best. I was going to give it 18 months before I called and asked.

I've heard FNBO is picky so hence my surpirse. In the grand scheme of things, it isn't a great card (20.99%, no rewards, no AF), but ... there are certainly worse cards out there, especially for someone in the 630's.

Their customer service is on-shore (indeed when you call, they say, "I'm Mike in Omaha, Nebraska"). I actually called to make sure the check was legit. . Couldn't belive it. Hopefully WF is next.
If it's a challenge you're after, I'd try to get that WF secured card graduated. I had one for two years they wouldn't unsecure.

Re: FNBO Graduates!

CreditCuriosity — Fri, 30 Oct 2015 00:23:04 GMT

Very nice to hear stories like these. Congrats to you!

Re: FNBO Graduates!

Anonymous — Mon, 21 Nov 2016 13:51:52 GMT

I just graduated too! Opened post BK13 mid-January 2016. Just got the email and that the check would be issued inside of 30 days! Doesn't look like any pulls on CR. I am wondering should I click for a CLI? Or just ride it out. Not sure if the SP or HP for a CLI. Anyone know?