FNBO Evergreen - CLI info?

[JFox418]

Having a hard time finding any info on higher FNBO Evergreen limits and I'm curious what this card can grow into and how quick. From my research I've seen a comment stating wait 3-4 months and call in to see if they have a SP CLI option and not to go through the online portal. I've also seen some SL approvals of $20.6k. 

I was approved for $15k @ %14.99 about a month ago. I did a large BT and have already ran a good amount through the card and will get the $200 SUB. Curious when would be a good time to approach them for a CLI if it's a SP and what kind of limits this could grow to?

[M_Smart007]

Here is some DP's on SP CLI's.

I believe that 6 months is about the right time to ask?

I am not sure how high the cards can grow in CL?

This is a question that I have been pondering?

@coldfusion  Probably has the answer for us

[RealEstateGuy89]

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@JFox418 wrote:

Having a hard time finding any info on higher FNBO Evergreen limits and I'm curious what this card can grow into and how quick. From my research I've seen a comment stating wait 3-4 months and call in to see if they have a SP CLI option and not to go through the online portal. I've also seen some SL approvals of $20.6k. 

I was approved for $15k @ %14.99 about a month ago. I did a large BT and have already ran a good amount through the card and will get the $200 SUB. Curious when would be a good time to approach them for a CLI if it's a SP and what kind of limits this could grow to?

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They offered it to me automatically at 6 months and I wasn't expecting it. It was a $1400 increase and I was happy with that.  You might have already seen my post about it a couple weeks ago but thought I would reply in case you didn't see it yet.

[Sharpism]

To add some data points. I have had an FNBO card a little over a year ago (before the Evergreen was released) and I have recieved two auto cli, each being approximately 4-6 months apart.

I called yesterday to ask if I had any sp cli offers available on my account. The representative put me on hold for about 30 seconds, after which she said that I was not eligible because it hadn't been 4 months since my last. I asked when I would be eligible again and she said after the 21st of next month which would be exactly 4 calendar months since my last increase.

Always take what they say with a grain of salt because not all of them know for sure the correct answers but I would say they likely have a minimum of 4 months rule but that can sometimes turn into 5 or 6 depending on a few factors and each person's individual profile. That being said I hope this helps.

[JFox418]

Thanks everyone, seems like calling in after 4 months would be a good start! My hope is with my BT balance and telling them I'd like to keep using it for my %2 they'll give me a decent little bump to help out with the UTIL on the card. 

[Winesnoblv]

I received an auto cli last week of $2,300 after having the card for 6 months.  

Have had heavy usage with the 0% interest promo.

I would guess 6 months to request a cli.

[Junejer]

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@Winesnoblv wrote:

I received an auto cli last week of $2,300 after having the card for 6 months.  

Have had heavy usage with the 0% interest promo.

I would guess 6 months to request a cli.

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If you don't mind, what was your SL and what do you consider heavy usage?

[JFox418]

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@Junejer wrote:

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@Winesnoblv wrote:

I received an auto cli last week of $2,300 after having the card for 6 months.  

Have had heavy usage with the 0% interest promo.

I would guess 6 months to request a cli.

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If you don't mind, what was your SL and what do you consider heavy usage?

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Good questions and also I'm assuming you carried a balance if you were using the %0?

[jj10939]

You're eligible for your first CLI at six months. Then, call in every four months after to see if there are any SP CLI available. 

[Junejer]

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@JFox418 wrote:

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@Junejer wrote:

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@Winesnoblv wrote:

I received an auto cli last week of $2,300 after having the card for 6 months.  

Have had heavy usage with the 0% interest promo.

I would guess 6 months to request a cli.

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If you don't mind, what was your SL and what do you consider heavy usage?

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Good questions and also I'm assuming you carried a balance if you were using the %0?

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If you were asking this of me, I haven't carried a balance on the card yet. I have three other cards (2 biz, 1 personal) that have 0% for the next year. I will likely carry a balance on one of those biz cards for a few months. I'm typically a PIF guy, so this, while financially feasible, hurts my brain a bit.