topic Re: FNBO AMEX approval! excitement and advice needed.... in Credit Cards

FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Thu, 28 Mar 2013 15:46:50 GMT

Was suppose to be gardening but recvd this pre-approval in the mail, I was approved in 24 hours for a 3600 CL. Is this bank/card hard to get approved for? I was wondering if my hard work has really paid off or not?

Was my spree successful? are these good cards to have? and make my profile look better?

Recent app spree:

Chase Freedom 2500CL

CITI Simplicity 2500CL

Discover IT 4000CL

Lowe's 2000CL

FNBO Amex 3600 CL

Will be joining the Garden Club TODAY!! Im really excited....im someone that filed bancruptcy, went through a divorce, am a single parent and had a credit score in the low 5's upper 4's as early as 8 years ago....

Re: FNBO AMEX approval! excitement and advice needed....

Anonymous — Thu, 28 Mar 2013 15:50:31 GMT

Congrats nice limits

Yes the app spree was successful

Re: FNBO AMEX approval! excitement and advice needed....

Ron1 — Thu, 28 Mar 2013 15:59:47 GMT

Congrats!!!!

Ron.

Re: FNBO AMEX approval! excitement and advice needed....

09Lexie — Thu, 28 Mar 2013 16:15:08 GMT

Awesome app spree!

Re: FNBO AMEX approval! excitement and advice needed....

codesingh — Thu, 28 Mar 2013 16:24:50 GMT

Congrats wahoojack13. now you can setup the online access...https://www.firstbankcard.com

I got approved for the same amex card recently as well(about three weeks ago), when I read the reviews on the internet all I find is not so good news. I don't know.

I am liking it though. I don't have way too many expectations except for just the 2% bonus and the balance transfers for 0%. Good enough for me.

Amex corp site has a regular feed about FNBO, all good, but just that they are starting their business with FNBO.

Here are some links to read up on(let me know what you think)

Bad news about the bank:

http://www.mybanktracker.com/First-National-Bank-of-Omaha/Reviews

Ok type info about the bank:

http://reviews.creditkarma.com/credit-cards/first-national-bank-omaha-credit-card/1/

http://about.americanexpress.com/news/pr/2010/omaha.aspx

My credit was wasn't as good, I have started rebuilding and feel happy to have FNBO amex with decent limit and rates.

Congrats again.

Re: FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Thu, 28 Mar 2013 16:33:41 GMT

Thank you Codesingh, I was little nervous, because i heard they were conservative, but tried anyway. I will read up on the cards, thanks for info. Garden for me.....for a while. lol

Re: FNBO AMEX approval! excitement and advice needed....

MsLadyRover — Thu, 28 Mar 2013 17:19:55 GMT

Awesome spree! Congratulations on your results!!

Re: FNBO AMEX approval! excitement and advice needed....

Anonymous — Thu, 28 Mar 2013 17:22:35 GMT

@codesingh wrote:
Congrats wahoojack13. now you can setup the online access...https://www.firstbankcard.com

I got approved for the same amex card recently as well(about three weeks ago), when I read the reviews on the internet all I find is not so good news. I don't know.
I am liking it though. I don't have way too many expectations except for just the 2% bonus and the balance transfers for 0%. Good enough for me.
Amex corp site has a regular feed about FNBO, all good, but just that they are starting their business with FNBO.

Here are some links to read up on(let me know what you think)

Bad news about the bank:
http://www.mybanktracker.com/First-National-Bank-of-Omaha/Reviews

Ok type info about the bank:
http://reviews.creditkarma.com/credit-cards/first-national-bank-omaha-credit-card/1/
http://about.americanexpress.com/news/pr/2010/omaha.aspx

My credit was wasn't as good, I have started rebuilding and feel happy to have FNBO amex with decent limit and rates.
Congrats again.

I wouldn't be overly concerned with those reviews. For any bank that has been around, you will see stuff like this. It's relatively rare for people to gush about how great their bank is, whereas complaints are quickly posted.

Re: FNBO AMEX approval! excitement and advice needed....

2011beginnings — Thu, 28 Mar 2013 17:31:16 GMT

Congratulations. Nice spree.

Re: FNBO AMEX approval! excitement and advice needed....

WarJar101 — Fri, 29 Mar 2013 06:38:43 GMT

I heard you get SP CLIs every 4 months with FNBO. They'll actually tell you whether or not if it would be a SP or a HP, based on what I've read on 'em, when you call in. It's a decent card for balance transfers. Congratulations.

Re: FNBO AMEX approval! excitement and advice needed....

LS2982 — Fri, 29 Mar 2013 12:39:58 GMT

@wahoojack13 wrote:
Was suppose to be gardening but recvd this pre-approval in the mail, I was approved in 24 hours for a 3600 CL. Is this bank/card hard to get approved for? I was wondering if my hard work has really paid off or not?

Was my spree successful? are these good cards to have? and make my profile look better?

Recent app spree:

Chase Freedom 2500CL
CITI Simplicity 2500CL
Discover IT 4000CL
Lowe's 2000CL
FNBO Amex 3600 CL

Will be joining the Garden Club TODAY!! Im really excited....im someone that filed bancruptcy, went through a divorce, am a single parent and had a credit score in the low 5's upper 4's as early as 8 years ago....

Looks like a successful spree to me!!! Happy Gardening!!!

CONGRATS!!!

Re: FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Fri, 29 Mar 2013 16:28:38 GMT

JEEZ!!! after reading those reviews, I dont know if i want this card anymore......damn those are ALL BAD!! has anyone else on here had a credit card with FNBO??

Re: FNBO AMEX approval! excitement and advice needed....

SpiceIslander — Fri, 29 Mar 2013 16:35:08 GMT

LOL!

Here's another "bad" review. I got a preapproval for their Visa last year. I applied and was approved for 3600.00. The gave a an auto CLI after 6 months. Limit is now 4500.00. I also got 0% purchase & balance transfer for a year. APR goes to 13.9 after one year. I am very satisfied with FNBO!

Re: FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Fri, 29 Mar 2013 16:37:38 GMT

Okay OKay Meg, Now that makes me feel much better. I was reading those reviews and all the blood drained out of my face....LMAO.....made me scared!!

Re: FNBO AMEX approval! excitement and advice needed....

SpiceIslander — Fri, 29 Mar 2013 16:45:39 GMT

LOL!!!!

I tend to take comments regarding payments that were not "late" with a grain of salt. There's almost always more to the story. As for the one whose card was closed for inactivity....SO? If you're not using the card, you're just costing them money! I've never had to call FNBO since activation and all goes very smoothly. Payments are reflected with absolutely no issues. Best of luck!

Re: FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Fri, 29 Mar 2013 16:49:16 GMT

If you dont mind me asking....Do you use yours regularly? or just once in a while?

Re: FNBO AMEX approval! excitement and advice needed....

SpiceIslander — Fri, 29 Mar 2013 17:37:37 GMT

Actually, I used it for a balance transfer that's not paid off yet. The amount I wanted to transfer was more than the credit line they gave me and they just about maxed it out. They did that, not me. LOL. Anyway, I've been paying it down and didn't want to add extra charges. Since my CLI last month, I've decided to use it a bit and add new charges to the regular payment in order to stay on track.

Re: FNBO AMEX approval! excitement and advice needed....

webhopper — Fri, 29 Mar 2013 17:42:55 GMT

Congrats!

Re: FNBO AMEX approval! excitement and advice needed....

codesingh — Fri, 29 Mar 2013 18:09:30 GMT

Good to hear some positives on FNBO. I have been liking it. I have a credit gap of a couple of year(of no credit cards) which does raise some eyebrows among lenders.

But that's all, all my baddies have cleared up, I have one collection agency's HP showing up on my TU report.

Having said that, I feel so great to be approved by FNBO with SP, apparently they sent me a yet previous invitation which ended up at my last address.

I was approved instantly(by the system) and got a good decent credit line.

I started reading up on the internet all those bad reviews and then got concerned. I have been liking FNBO though. I did a BT on the day I activated, the rep was nice and easy with me. The deal is good 0% on both purchases and BT for one year. 2% on gas etc...I like to pay 7 days in advance most of the time and that too online. So given that...I think I can maintain a good relationsihp with this lender...I wanna say it's all upto me how I want to do it.

Re: FNBO AMEX approval! excitement and advice needed....

wahoojack13 — Fri, 29 Mar 2013 18:25:20 GMT

@codesingh...............I felt the same way after reading those reviews, but not im excited again to get the card in the mail. Congrats on the good CL!