First National Bank Omaha Pre- Approval Letter

[kobe81]

Hey Everyone,

I received a letter int he mail that I've been pre-approved for a FNBO Platinum Edition Visa Card.

Is this a good card to have? Also, what are my chances of getting approved for it? Thanks in advance.

[myjourney]

In most cases its a solid offer but their marketing has several rewards structures. Which one were you sent?

Also if you applied for credit since they did the SP chance are less for an approval

[kobe81]

I dont know. Says to go to firstnational.com/apply  and enter the codes. Free FICO score and all.

I hope this isnt a rebuilding card.

[jamesdwi]

Prime lender, that gives decent APR, along with a CL that will grow with you, mine started at $6k now sitting at 14.9k a couple years later, BT transfer offers, 5.99% for life. No complaints, no its the end all and be all of credit cards, but its a good combination, with zero AF.

[kobe81]

I just got the letter. I'm thinking it's recent.

[myjourney]

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@kobe81 wrote:

I dont know. Says to go to firstnational.com/apply  and enter the codes. Free FICO score and all.

I hope this isnt a rebuilding card.

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Does the nice pack they send say what rewards come with the card? It shhould 

[FinStar]

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@myjourney wrote:

In most cases its a solid offer but their marketing has several rewards structures. Which one were you sent?

Also if you applied for credit since they did the SP chance are less for an approval

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+1

FNBO is one of those lenders who is not fond of "new" friends popping up afterwards

[kobe81]

It says I would be at a 19.99 percent interest rate.

[myjourney]

I'll add my take on what I know from all my research about FNBO before applying and I did a lot of research.

They will not approve an app unless:

1) you live in their banking foot print

2) or you receive an invitation to apply and in this case it doesn't matter what state your in......I'm in Florida

If you receive an invitation its as good as gold unless your profile has changed since receiving the invitation....

IE...went on a app spree, a baddie popped up on your CR's.....

Everything is manually reviewed but usually approved the same day if you apply early

In my months of research I did.... I didn't find any cases of forum members applying with the invitation not being approved. Every last one was approved.

I did see one denial after I was approved but that person had been on an app spree and was thus denied for new accounts.

SP CLI's I love them for that just call every 3-4 months HP if asking via computer 

Great customer service

I have the Amex version which gives 2% on gas and groceries 

[kobe81]

It says the card is issues by First Bankcard, a division of FNBO.....