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FNBO Evergreen - CLI info?

JFox418
Regular Contributor

FNBO Evergreen - CLI info?

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?

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 1 of 14
13 REPLIES 13
M_Smart007
Legendary Contributor

Re: FNBO Evergreen - CLI info?

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 usSmiley Happy

 

Message 2 of 14
RealEstateGuy89
New Contributor

Re: FNBO Evergreen - CLI info?


@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?


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.

Message 3 of 14
Sharpism
Valued Member

Re: FNBO Evergreen - CLI info?

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.

Message 4 of 14
JFox418
Regular Contributor

Re: FNBO Evergreen - CLI info?

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. 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 5 of 14
Winesnoblv
Regular Contributor

Re: FNBO Evergreen - CLI info?

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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Message 6 of 14
ByrdMan
Moderator Emeritus

Re: FNBO Evergreen - CLI info?


@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.

 


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






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Message 7 of 14
JFox418
Regular Contributor

Re: FNBO Evergreen - CLI info?


@ByrdMan wrote:

@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.

 


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


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

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 8 of 14
jj10939
Regular Contributor

Re: FNBO Evergreen - CLI info?

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. 

Message 9 of 14
ByrdMan
Moderator Emeritus

Re: FNBO Evergreen - CLI info?


@JFox418 wrote:

@ByrdMan wrote:

@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.

 


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


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


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.






Starting Score: 469
Current Score: 809
Goal Score: 825


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Message 10 of 14
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