topic Re: FNBO in Credit Cards

FNBO

wacdenney — Mon, 18 Aug 2014 17:33:10 GMT

As soon as I select Georgia for my state, it comes back and says they are not currently accepting applications. Do they have any national offerings? Or do you have to be in their service area?

Re: FNBO

1GaDawg85 — Mon, 18 Aug 2014 17:40:24 GMT

i have never tried to apply with them but they are Nebraska based and probably want it to stay local

Re: FNBO

trumpet-205 — Mon, 18 Aug 2014 18:23:13 GMT

Their store card is offered on nation wide level. I have their Oversotck MasterCard. I live in California where it is outside of their service area.

I imagine FNBO Direct Visa should also be nation wide, since it is associated with its interenet checking account.

Re: FNBO

wacdenney — Mon, 18 Aug 2014 18:20:56 GMT

I wonder if the fnbo direct checking would be enough to get the free EX fico?

Re: FNBO

trumpet-205 — Mon, 18 Aug 2014 18:26:04 GMT

@wacdenney wrote:
I wonder if the fnbo direct checking would be enough to get the free EX fico?

Nope. You need to have a credit card from either FNBO or its subsidiary, First Bankcard.

The score you get from them comes from a FICO scoring model that puts more weight on credit card performance.

Re: FNBO

plastic_man — Mon, 18 Aug 2014 18:43:15 GMT

I have an AMEX from FNBO and I'm from MASS . I guess, at least for the AMEX, you need to be invited if your 're not from Omaha.. I think.

Re: FNBO

CreditMagic7 — Mon, 18 Aug 2014 18:46:35 GMT

FNBO was only one of 2 denials for me this year (amex the other). They sited specifically on RECON the "too many recent INQ" usual babble then i found out that they drawed their conclusion from EXP plus ARS/IDS, an alternative of sorts additional CRA that keeps ID info on you as to your combined applications for Visa/MC etc.

I was trying for the Overstock.com CC. No matter though, i soon afterward was Instantly Approved for (2) 5K SL's from Prime Bank Lenders which took some of the sting out of those wasted HP's

FNBO are tight as a drum so watch your Recents and/or INQ's before approaching them.

Re: FNBO

daybreakgonesXe — Mon, 18 Aug 2014 18:59:28 GMT

themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.

Re: FNBO

wacdenney — Mon, 18 Aug 2014 19:47:49 GMT

@CreditMagic7 wrote:
FNBO was only one of 2 denials for me this year (amex the other). They sited specifically on RECON the "too many recent INQ" usual babble then i found out that they drawed their conclusion from EXP plus ARS/IDS, an alternative of sorts additional CRA that keeps ID info on you as to your combined applications for Visa/MC etc.

I was trying for the Overstock.com CC. No matter though, i soon afterward was Instantly Approved for (2) 5K SL's from Prime Bank Lenders which took some of the sting out of those wasted HP's

FNBO are tight as a drum so watch your Recents and/or INQ's before approaching them.

If they don't like INQs then they wont like me!

It's a bit much to have to open another checking account without knowing whether or not they would approve the card, and all just for a free FICO score.

Re: FNBO

CreditMagic7 — Mon, 18 Aug 2014 19:57:01 GMT

Well you'll get opinions otherwise to the contrary but they can be sticklers depending on what day it is LoL The positive side of it is if you do get in with them it's widely reported they are generous with CLI's in somewhat short order. I just am sharing my experience this summer and i don't intent to waste another HP on them anymore without a bonified invitation because it's far more productive and less chancie to approach the Big Primes from my experience after being turned down for just a Store Card Visa by them.

Hah And they call some of us applicants Risky.

Re: FNBO

Anonymous — Mon, 18 Aug 2014 20:07:56 GMT

@daybreakgonesXe wrote:
themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.

Card looks nice as well, would love to know who they pull but I guess I could call and get that info.

Re: FNBO

plastic_man — Mon, 18 Aug 2014 20:14:57 GMT

@CreditMagic7 wrote:
Well you'll get opinions otherwise to the contrary but they can be sticklers depending on what day it is LoL The positive side of it is if you do get in with them it's widely reported they are generous with CLI's in somewhat short order. I just am sharing my experience this summer and i don't intent to waste another HP on them anymore without a bonified invitation because it's far more productive and less chancie to approach the Big Primes from my experience after being turned down for just a Store Card Visa by them.

Hah And they call some of us applicants Risky.

They are very generous with CLI's .. every 4 months in the dot and all SP if you call in. I started with a $3,800 initial CL to $16.3k in about a year.

Re: FNBO

wacdenney — Mon, 18 Aug 2014 20:27:51 GMT

@Anonymous wrote:
@daybreakgonesXe wrote:
themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.
Card looks nice as well, would love to know who they pull but I guess I could call and get that info.

Call and find out! I dare you!!

Re: FNBO

lonelyisland — Mon, 18 Aug 2014 20:30:14 GMT

I got a preapproval in the mail, but went on an app spree afterwards. Wonder if they'd still like me

Re: FNBO

B335is — Mon, 18 Aug 2014 20:43:57 GMT

They usually pull from EX or EQ. The co-branded cards are the best way in if you're out of their footprint. Overstock, LaQuinta, ANA, JAL and that New York Life card are a few that come to mind that I don't think have U.S. location restrictions.

Re: FNBO

Anonymous — Mon, 18 Aug 2014 20:49:05 GMT

@wacdenney wrote:
@Anonymous wrote:
@daybreakgonesXe wrote:
themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.
Card looks nice as well, would love to know who they pull but I guess I could call and get that info.
Call and find out! I dare you!!

Just called and the lady said they pull Equifax which is tempting me because my score just gained about 30 points to 776. Hmmm....

Re: FNBO

B335is — Mon, 18 Aug 2014 20:56:41 GMT

@Anonymous wrote:
@wacdenney wrote:
@Anonymous wrote:
@daybreakgonesXe wrote:
themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.
Card looks nice as well, would love to know who they pull but I guess I could call and get that info.
Call and find out! I dare you!!
Just called and the lady said they pull Equifax which is tempting me because my score just gained about 30 points to 776. Hmmm....

Do you have a lot of new accts or inq on your EQ? They can be sensitive, but if I managed to get over that issue, pretty much anybody can.

Re: FNBO

Anonymous — Mon, 18 Aug 2014 20:58:06 GMT

@B335is wrote:
@Anonymous wrote:
@wacdenney wrote:
@Anonymous wrote:
@daybreakgonesXe wrote:
themanwhocan typically does a good review on it, but if you would like an FNBO card, the New York Life Rewards Visa is a good deal:

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

If you get approved for the Visa Siggy, it's unlimited 1.5% back. However if you get approved for the Platinum Visa, it's only a vanilla 1%. The card also offers a free EX FICO.
Card looks nice as well, would love to know who they pull but I guess I could call and get that info.
Call and find out! I dare you!!
Just called and the lady said they pull Equifax which is tempting me because my score just gained about 30 points to 776. Hmmm....
Do you have a lot of new accts or inq on your EQ? They can be sensitive, but if I managed to get over that issue, pretty much anybody can.

I do, I have about 6-7 new inquiries. I also mentioned that i've had a savings account with FNBO DIrect and she said that can help approval chances as well.

Re: FNBO

Anonymous — Mon, 18 Aug 2014 21:01:48 GMT

FNB Omaha serves the following states for banking (number of branches): Colorado (27), Iowa (3), Illinois (24), Kansas (6), Nebraska (60), and Texas (4).
They service several other banks in states accross the US. They have a subsidary FirstBankard that is like FIA, First USA or Elan and processes credit cards. The also have FNBO Direct (another poster mentioned this). Starting August 2013 FNB Omaha quit taking applications outside their own market service area but some people still receive pre-approved offers for their credit cards and are outside their service area. Go figure?

Re: FNBO

lonelyisland — Mon, 18 Aug 2014 21:03:24 GMT

I'm not in any of those areas, but did live in Colorado about 10 years ago.