FNBO CLI

[Jnbmom]

DId a search but didn't see any recent posts.

Just curious what their CLI policy is? Is it 6 months? I see you can request online, is it a HP? Has anyone had success with a second card down the line? I know they are geo-fenced cards unless you get an invite which is how I got in.

I am just thinking ahead as I just got the card and have  zero experience with this bank

[AllZero]

Here are data points from @Anonymous  . Maybe every 4 months?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/FNBO-SP-CLI/m-p/5929101

[FinStar]

---

@Jnbmom wrote:

DId a search but didn't see any recent posts.

Just curious what their CLI policy is? Is it 6 months? I see you can request online, is it a HP? Has anyone had success with a second card down the line? I know they are geo-fenced cards unless you get an invite which is how I got in.

I am just thinking ahead as I just got the card and have  zero experience with this bank

---

For new accounts, the typical timeframe for the 1st CLI request is 6 months.  You would call (do not request online), ask to see if your account has any special CLI offers.  They'll read a disclosure then ask for the usual income, mortgage stuff and see if there's a SP offer; if there is, they'll ask whether you'll accept or request a higher amount.  If you request anything higher or if you wish to proceed absent the SP offer, it will result in a HP.   

[Jnbmom]

@FinStar 

Thank you😊

[gingerflower]

I got my FNBO in april of this year. I went online to pay my cc and noticed an email message stating please update your income. I updated my income and noticed a week later an email stating Congratulations on your new line of credit. So, it will be 6 months before you will be eligible for credit line increase. FNBO is a great bank!

[James3]

I can confirm that calling the number on the back of the card and asking about the possibility of a SP CLI or possible card upgrades is painless. I was asked for my income and monthly rent payment, and was approve for a $5000 increase (up from 13k) and told that I had a retention offer for a lower interest rate. 

FNBO is a great bank with amazing customer service (especially compared to Wells Fargo and Capital One).

[M_Smart007]

---

@James3 wrote:

I can confirm that calling the number on the back of the card and asking about the possibility of a SP CLI or possible card upgrades is painless. I was asked for my income and monthly rent payment, and was approve for a $5000 increase (up from 13k) and told that I had a retention offer for a lower interest rate. 

FNBO is a great bank with amazing customer service (especially compared to Wells Fargo and Capital One).

---

Congratulations on your SP CLI ...

[AllZero]

---

@James3 wrote:

I can confirm that calling the number on the back of the card and asking about the possibility of a SP CLI or possible card upgrades is painless. I was asked for my income and monthly rent payment, and was approve for a $5000 increase (up from 13k) and told that I had a retention offer for a lower interest rate. 

FNBO is a great bank with amazing customer service (especially compared to Wells Fargo and Capital One).

---

Congratulations on your CLI and retention lower APR offer!

[Jnbmom]

@James3 

thanks for Dps. My six months is coming up this week

[cashorcharge]

---

@James3 wrote:

I can confirm that calling the number on the back of the card and asking about the possibility of a SP CLI or possible card upgrades is painless. I was asked for my income and monthly rent payment, and was approve for a $5000 increase (up from 13k) and told that I had a retention offer for a lower interest rate. 

FNBO is a great bank with amazing customer service (especially compared to Wells Fargo and Capital One).

---

That's terrific!  Thanks for sharing and Congratulations on your approval!! 🎉🥂