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FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

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Frequent Contributor

FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Hello myFICO world! Smiley Very Happy

 

I thought I would take a moment to share some new data points

for those of you looking to apply for a First National Bank of Omaha

(FNBO) credit card in the near future.

 

I called FNBO's backdoor number (800 444 6220) and spoke with

someone in their Underwriter/Credit Reallocations Department.

After a short wait, a very polite and patient FNBO professional

was kind enough to answer the following questions for me:

 

-- On FNBO's website it states that the FICO Bankcard 9 is used

for credit card decisions. Which credit file is used? Answer: Experian.

 

--  How long is the Experian hard pull good for?

Answer: The same day to apply and/or be approved for

multiple FNBO credit cards using the same EX hard pull.

Otherwise, another EX HP will be taken for additional cards

the next day and any time thereafter.

 

--  Does the existence of a bankruptcy (CH 7 or CH13,

discharged or active) disqualify someone from being

approved for a FNBO credit card? Answer: No, it doesn't.

 

-- The minimum deposit for a FNBO secured card is $300.

The maximum allowable limit is $5,000. If someone wants

to add money to their secured card, would this result in an

additional Experian hard pull? Answer: Yes. If your initial

deposit is $300, for example, and you want to add another

$500 to raise your limit, then another EX HP would be taken.

 

Hope this helps anyone who is seriously considering a FNBO

credit card. Forum members rave about FNBO, and their customer

service department is top notch. BTW, even though FNBO is a

regional bank serving the US Midwest, anyone in the States is

eligible to apply for their credit cards.Just FYI...

Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Excellent info, ATIT. Thank you!

 

 

 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 2 of 16
Senior Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Great information! Thank you for sharing.

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 16
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

Thank you for the information!

Any idea if info is same for branded cards (Ducks Unlimited, etc.)?

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                    5%-20% - Amazon & Lowes                3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl         4% Dining & Entertain - Savor            3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver





    
Message 4 of 16
Frequent Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...


@Shooting-For-800 wrote:

Thank you for the information!

Any idea if info is same for branded cards (Ducks Unlimited, etc.)?

 


I'm thrilled that you found the information helpful. Smiley Very Happy

 

I can't speak to branded cards. My questions were focused on the

four (4) basic cards FNBO offers: a rewards card, a low APR card,

a statement credits card, and a secured card. No annual fees on

any of these offerings. Feel free to check FNBO's link for more details:

 

https://www.firstnational.com/personal-banking/credit-cards/

Message 5 of 16
Valued Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

I applied for the Ducks Unlimited card and got $8,000 SL.

5% back on gas and sporting goods seems like a great reward program for no AF.

Thanks again!

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                    5%-20% - Amazon & Lowes                3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl         4% Dining & Entertain - Savor            3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver





    
Message 6 of 16
Frequent Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...


@Shooting-For-800 wrote:

I applied for the Ducks Unlimited card and got $8,000 SL.

5% back on gas and sporting goods seems like a great reward program for no AF.

Thanks again!

 


Super Congrats on your Ducks Unlimited $8,000 SL! Smiley Very Happy

 

FYI, this branded card is offered by First Bankcard (a division of FNBO).

First Bankcard offers a free FICO Bankcard 8 to their customers, while

FNBO uses FICO Bankcard 9. As I'm sure you know, FICO 9 scores don't

weigh paid collections into their scoring model. Congrats again on your

success. See the Ducks Unlimited Visa link below and click Benefits tab: Smiley Very Happy

 

https://www.firstbankcard.com/ducksunlimited/site/personal/personal.fhtml

Message 7 of 16
Regular Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

I thought I would add my experience instead of starting a new post. I have a Ch7 BK discharged on May 2015. I applied for the Complete Rewards Visa through my personal banker and got denied based on “low credit score” & bankruptcy wasn’t a factor at all. He sent an email asking them to reconsider based on our banking relationship & I ended up getting approved with a $1,000 CL. The credit line isn’t great but I figured it’s better than being denied, I can get 2% back into my account, gets my foot in the door, and I can always try for a CLI later down the road. They pulled Experian & my score was a 657. I was also told the score range their looking for is 700 minimum. Hope this helps others as there isn’t much out there on First National Bank. My best suggestion is find a banker willing to work with you if you’re denied instead of calling in yourself on recon.




EX: 694 (F8)(14inq) | TU: 691 (VS3)(3inq) | EQ: 699 (VS3)(6inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late
17% Utilization | AAoA: 2yrs 3m | Updated: *UPDATING*
Message 8 of 16
Regular Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...

I thought I would add an update. On Sunday I applied for the FNBO Ducks Unlimited Card, still siting at “pending status”, but it’s been 3 full days as Monday was Veteran’s Day and they weren’t open. My sig isn’t updated yet but applied with 19% util, 8 inquires (4 recent within last 6 months from car shopping), auto loan hasn’t shown on report yet, newest card is a FNBO Rewards Card at 3-4month mark, score was 667 which is lower than previous month due to the car shopping, but all-in-all I’m hoping I will get approved because I already have a card with them and have been using it frequently and paying it off ASAP. I will post back once I know if I’m denied or approved.




EX: 694 (F8)(14inq) | TU: 691 (VS3)(3inq) | EQ: 699 (VS3)(6inq)
BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late
17% Utilization | AAoA: 2yrs 3m | Updated: *UPDATING*
Message 9 of 16
Established Contributor

Re: FNBO Credit Card Application Updated Data Points, 9 Aug 2018...


@KDKobes wrote:
I thought I would add an update. On Sunday I applied for the FNBO Ducks Unlimited Card, still siting at “pending status”, but it’s been 3 full days as Monday was Veteran’s Day and they weren’t open. I will post back once I know if I’m denied or approved.

Any news on your Ducks Unlimited application? I'm in a similar situation having applied 10 days ago and still "pending".

 

Message 10 of 16
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