topic Re: First National Bank's stepping up their game in Credit Cards

First National Bank's stepping up their game

TheFate — Fri, 08 Aug 2014 00:19:13 GMT

I dont know much about this company but every offer I've received from them was a horrible offer that I would end up just trashing.

But since my score has been rising these last few months I guess they decided to offer me a better deal.

Did you guys know they have free monthly Fico 08 scoring for their Plat edition card holders?

I won't app for them since they offer no CB rewards but I thought that was interesting to see more and more CC's offering this benefit

Re: First National Bank's stepping up their game

gdale6 — Fri, 08 Aug 2014 00:11:56 GMT

@TheFate wrote:
I dont know much about this company but every offer I've received from them was a horrible offer that I would end up just trashing.

But since my score has been rising these last few months I guess they decided to offer me a better deal.

Did you guys know they have free monthly Fico 08 scoring for their Plat edition card holders?

I won't app for them since they offer now CB rewards but I thought that was interesting to see more and more CC's offering this benefit

Who is this First Nat Bank of Omaha, if so any of their cards will get you the free EX Fico 08 bankcard enhanced score.

Re: First National Bank's stepping up their game

CreditMagic7 — Fri, 08 Aug 2014 00:16:50 GMT

Ugh. FNBO is the other of my 2 denials (and Amex) a couple months back. I only app'd for the Overstock.com MC but they shot it down. FYI they WILL ALSO pull ARS/IDS as well as Experian and i was told off on Recon that 4 is their INQ limit PERIOD! As always YMMV

Re: First National Bank's stepping up their game

TheFate — Fri, 08 Aug 2014 00:17:06 GMT

Yes, its from Omaha.

All the offers I received in the past never once mentioned free fico scoring. So this is new to me.

Are they a rebuild company? Don't seem like a prime lender

Re: First National Bank's stepping up their game

TheFate — Fri, 08 Aug 2014 00:18:37 GMT

@CreditMagic7 wrote:
Ugh. FNBO is the other of my 2 denials (and Amex) a couple months back. I only app'd for the Overstock.com MC but they shot it down. FYI they WILL ALSO pull ARS/IDS as well as Experian and i was told off on Recon that 4 is their INQ limit PERIOD! As always YMMV

ARS/IDS?

Re: First National Bank's stepping up their game

CreditMagic7 — Fri, 08 Aug 2014 00:18:53 GMT

There is posts here in the forums of members that have their CC and that once approved are fairly generous with CLI's? Maybe someone can chime in on that for us.

Re: First National Bank's stepping up their game

CreditMagic7 — Fri, 08 Aug 2014 00:23:50 GMT

@TheFate wrote:
@CreditMagic7 wrote:
Ugh. FNBO is the other of my 2 denials (and Amex) a couple months back. I only app'd for the Overstock.com MC but they shot it down. FYI they WILL ALSO pull ARS/IDS as well as Experian and i was told off on Recon that 4 is their INQ limit PERIOD! As always YMMV
ARS/IDS?

Other alternative CRA's of sorts that have on file your identity information and how many times have you applied for credit (date + lender). US Bank is also known to deny people if they see too many INQs on your ARS + IDA report.

Re: First National Bank's stepping up their game

TheFate — Fri, 08 Aug 2014 00:37:16 GMT

@CreditMagic7 wrote:
@TheFate wrote:
@CreditMagic7 wrote:
Ugh. FNBO is the other of my 2 denials (and Amex) a couple months back. I only app'd for the Overstock.com MC but they shot it down. FYI they WILL ALSO pull ARS/IDS as well as Experian and i was told off on Recon that 4 is their INQ limit PERIOD! As always YMMV
ARS/IDS?
Other alternative CRA's of sorts that have on file your identity information and how many times have you applied for credit (date + lender). US Bank is also known to deny people if they see too many INQs on your ARS + IDA report.

I didn't know that. Good to know.

So I guess I should App for US bank first on my up comming app spree. Do you know if US bank will close an account due to too many INQ's like barclay has been known to do?

Re: First National Bank's stepping up their game

gdale6 — Fri, 08 Aug 2014 00:48:42 GMT

@CreditMagic7 wrote:
Ugh. FNBO is the other of my 2 denials (and Amex) a couple months back. I only app'd for the Overstock.com MC but they shot it down. FYI they WILL ALSO pull ARS/IDS as well as Experian and i was told off on Recon that 4 is their INQ limit PERIOD! As always YMMV

I can say that there have been others who have been approved with quite a few more than 4, myself included. It is YMMV.

Re: First National Bank's stepping up their game

gdale6 — Fri, 08 Aug 2014 00:50:11 GMT

@CreditMagic7 wrote:
There is posts here in the forums of members that have their CC and that once approved are fairly generous with CLI's? Maybe someone can chime in on that for us.

They are quite generous with CLIs, the limit of their cards can grow very quickly if you treat them right. You can call in every 3 months and see if a pre approved SP CLI is waiting for you or not.

Re: First National Bank's stepping up their game

Themanwhocan — Fri, 08 Aug 2014 01:30:54 GMT

@gdale6 wrote:
@CreditMagic7 wrote:
There is posts here in the forums of members that have their CC and that once approved are fairly generous with CLI's? Maybe someone can chime in on that for us.
They are quite generous with CLIs, the limit of their cards can grow very quickly if you treat them right. You can call in every 3 months and see if a pre approved SP CLI is waiting for you or not.

How good are they about upgrading to a Visa Signature card? This is the FNBO card I want, in Visa Signature form:

https://www.firstbankcard.com/newyorklife/001/personal.fhtml

Re: First National Bank's stepping up their game

navigatethis12 — Fri, 08 Aug 2014 01:18:58 GMT

@TheFate wrote:
Yes, its from Omaha.

All the offers I received in the past never once mentioned free fico scoring. So this is new to me.

Are they a rebuild company? Don't seem like a prime lender

I'm not sure where you get the impression they aren't a good lender, but they are. Also, they do give rewards in the form of cashback, unless that isn't what you meant when you said "CB" rewards. I've not had any issues asking for a limit increase even though I barely use the card. Went from 10 to 15(no hard) and then to 20(hard). They mostly use Experian, but will check another if it is frozen.

Re: First National Bank's stepping up their game

irrational — Fri, 08 Aug 2014 01:27:09 GMT

FNBO has some interesting offerings, and I like how they offer Amex, Discover, MasterCard, and Visa... Gotta love options!

But, their rewards seem lackluster. From what I could see it looks like their cards are basically just 1% cashback (that expires if not redeemed).

I take it that people bank with FNBO for non-monetary benefits (CLI policy, starting limits, FICO scores, etc)?

Re: First National Bank's stepping up their game

navigatethis12 — Fri, 08 Aug 2014 01:41:16 GMT

@irrational wrote:
FNBO has some interesting offerings, and I like how they offer Amex, Discover, MasterCard, and Visa... Gotta love options!

But, their rewards seem lackluster. From what I could see it looks like their cards are basically just 1% cashback (that expires if not redeemed).

I take it that people bank with FNBO for non-monetary benefits (CLI policy, starting limits, FICO scores, etc)?

The card I have earns 2% on groceries, gasoline, and something else I believe. Their Discover used to offer up to 5% after a certain point, but just for like 2000 in spending or something. They also had another American Express that got 3% on travel or something, but as you pointed out, all of those are gone. There really is no reason now to get them except if you want a score every month. They did give me 10,000 which was my highest at the times, so I would call going higher than other lines good for a starting limit.

Re: First National Bank's stepping up their game

gdale6 — Fri, 08 Aug 2014 01:50:35 GMT

@Themanwhocan wrote:
@gdale6 wrote:
@CreditMagic7 wrote:
There is posts here in the forums of members that have their CC and that once approved are fairly generous with CLI's? Maybe someone can chime in on that for us.
They are quite generous with CLIs, the limit of their cards can grow very quickly if you treat them right. You can call in every 3 months and see if a pre approved SP CLI is waiting for you or not.
How good are they about upgrading to a Visa Signature card? This is the FNBO card I want, in Visa Signature form:

https://www.firstbankcard.com/newyorklife/001/personal.fhtml

I cant help you with this one I only have their Amex which is an NPSL and reports as flex spend account with the CL and their Discover.

Re: First National Bank's stepping up their game

B335is — Fri, 08 Aug 2014 02:09:12 GMT

@TheFate wrote:
Yes, its from Omaha.

All the offers I received in the past never once mentioned free fico scoring. So this is new to me.

Are they a rebuild company? Don't seem like a prime lender

I guess how one person percieves prime vs. the next is highly subjective, but no I would definitely not consider FNBO sub-prime.

They can be tough to get in with, but I don't think 4 inq is necessarily a dealbreaker with them (CSRs aren't always the best informed). They also have some co-branded cards; ANA, LaQuinta, Overstock, Sport Chalet to name a few. I think the free EX Fico is worth having them and they're generally good with sp CLI every 4-6 months.

I got the LaQuinta Visa a couple months ago and it was not instant, required an explanation of all my new tradelines and approved. I wasn't holding my breath on that one.

Re: First National Bank's stepping up their game

Themanwhocan — Fri, 08 Aug 2014 02:38:19 GMT

@navigatethis12 wrote:
@irrational wrote:
FNBO has some interesting offerings, and I like how they offer Amex, Discover, MasterCard, and Visa... Gotta love options!

But, their rewards seem lackluster. From what I could see it looks like their cards are basically just 1% cashback (that expires if not redeemed).

I take it that people bank with FNBO for non-monetary benefits (CLI policy, starting limits, FICO scores, etc)?
The card I have earns 2% on groceries, gasoline, and something else I believe. Their Discover used to offer up to 5% after a certain point, but just for like 2000 in spending or something. They also had another American Express that got 3% on travel or something, but as you pointed out, all of those are gone. There really is no reason now to get them except if you want a score every month. They did give me 10,000 which was my highest at the times, so I would call going higher than other lines good for a starting limit.

I did a chart for that 5% Discover card they used to have. Worst 5% card ever...

Re: First National Bank's stepping up their game

CreditMagic7 — Fri, 08 Aug 2014 03:13:34 GMT

@Themanwhocan wrote:
@navigatethis12 wrote:
@irrational wrote:
FNBO has some interesting offerings, and I like how they offer Amex, Discover, MasterCard, and Visa... Gotta love options!

But, their rewards seem lackluster. From what I could see it looks like their cards are basically just 1% cashback (that expires if not redeemed).

I take it that people bank with FNBO for non-monetary benefits (CLI policy, starting limits, FICO scores, etc)?
The card I have earns 2% on groceries, gasoline, and something else I believe. Their Discover used to offer up to 5% after a certain point, but just for like 2000 in spending or something. They also had another American Express that got 3% on travel or something, but as you pointed out, all of those are gone. There really is no reason now to get them except if you want a score every month. They did give me 10,000 which was my highest at the times, so I would call going higher than other lines good for a starting limit.
I did a chart for that 5% Discover card they used to have. Worst 5% card ever...

Fun info for us stat junkies. Thanks for sharing.

Re: First National Bank's stepping up their game

Anonymous — Fri, 08 Aug 2014 03:15:46 GMT

@Themanwhocan wrote:
@gdale6 wrote:
@CreditMagic7 wrote:
There is posts here in the forums of members that have their CC and that once approved are fairly generous with CLI's? Maybe someone can chime in on that for us.
They are quite generous with CLIs, the limit of their cards can grow very quickly if you treat them right. You can call in every 3 months and see if a pre approved SP CLI is waiting for you or not.
How good are they about upgrading to a Visa Signature card? This is the FNBO card I want, in Visa Signature form:

https://www.firstbankcard.com/newyorklife/001/personal.fhtml

Why this card? On earning, it seems nothing special, 1.5% with 5 year expiration. Are the redemptions special?

Re: First National Bank's stepping up their game

CreditDrama85 — Fri, 08 Aug 2014 03:24:38 GMT

yes they offer free Experian fico and even if you dont have rewards card there are occassionally offers you can click on and add to your card which basically makes it a rewards card.