There's not a lot of info out there about FNBO so I wanted to put this out there. Called today for a CLI on my Amex. Was able to get a SP $2000 CLI! This was my 2nd time calling. Called at 4 months and was no SP offer. Been running about $500-$800 a month on this card let about $140 on a $1500 SL report and PIF. This month I let $0 report. Hope this helps... Overall Util - 5% Exp - 676
Starting scores: 538 EQ, 552 TU, 520 EX Current scores (11/18/20): 640 EQ 638 TU 654 EX