FNBO SP CLI question

Writechecks1 · ‎10-02-2022

I know FNBO is 6 mo after new card to request your 1st cli, after that 4 mo

but is the 6 months everyone talks about 180 Days since it was opened? Or is it the 6th statement? It's been 180 days for me but my 6th statement is short of closing yet

thanks

M_Smart007 · ‎10-02-2022

@Writechecks1 wrote:
I know FNBO is 6 mo after new card to request your 1st cli, after that 4 mo

but is the 6 months everyone talks about 180 Days since it was opened? Or is it the 6th statement? It's been 180 days for me but my 6th statement is short of closing yet

thanks

Best to call in and ask *IF* SP CLI is available ...MHO

805orbust · ‎10-02-2022

Or just wait 7 months and save a few lines on the blood pressure gauge... thats what I do. 🤣

YoungMoney06 · ‎10-29-2022

Anyone know if this is still applicable if you're new to FNBO and was just shipped off by the good folks at BOA?

I'm one of the many who had their Amtrak card since May 2021, and wanted to request a CLI. But before I could with BOA (which most had to wait a year) I got sent to FNBO.

Just curious if it would be worth asking FNBO, even though I'm less than a month with the FNBO issued Amtrak card.

My Wallet (Updated Sept 2023):
Store Cards:

Major Cards:

In Timeout:

805orbust · ‎10-29-2022

Normally I would say go for it, but those guys hrave been downright nutty lately. I personally would wait. Ymmv of course 😉

Anonymalous · ‎10-30-2022

@Writechecks1 wrote:
I know FNBO is 6 mo after new card to request your 1st cli, after that 4 mo

but is the 6 months everyone talks about 180 Days since it was opened? Or is it the 6th statement? It's been 180 days for me but my 6th statement is short of closing yet

thanks

I called in the day after my 6th statement closed, and asked for a soft pull CLI. They almost doubled my SL.

But as @805orbust pointed out, FNBO has been acting very odd lately, with a lot of sudden account closures and CLDs. (See the mega thread.) The best guess is they're seeing bad economic times coming, and are trying to minimize their risk. While my CLI happened only two months ago, things have changed. It's your choice whether to poke the bear.

805orbust · ‎10-30-2022

Totally agree on all counts... that said I'm definitely hitting them up for an increase in November 🤣

TryItAgain · ‎10-31-2022

I started with 15k from the pre-qual off beginning of 2021. Used 13k BT @0% and paid off by Nov-Dec.

Called in Feb asked if a cli was avail, got slight raise to 18k. Then recently, 7-8mos later called asked again, just got cli to 23k. So it is possible.

Although without usage I am near certain they are a strong cld bank. Use it or lose it I suppose. Since the bt was paid off, I run maybe 2k a mo through evergreen and PIF. Hope this helps somehow. YMMV