FNBO Approval!

[Anonymous]

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@credit_endurance wrote:

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@Anonymous wrote:

5.99 APR FOR LIFE?!? Man, I'd trade in a few mine to get that. Well, not really but I'd add that to my colleciton. I gave up on FNBO.

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I wish it was 5.99 APR on purchases for life! But, its only for any BT's that I do down the road which still isn't a bad trade off. FNBO is from what I've researched very tough to get in with. A steady diet of gardening the last 6 months gave me a little inspiration and their malier's are usually pretty solid.

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Ooops. I missed the BT. That's still good. I have apped a few co-brand cards by FNBO with no luck. But then again, if they are inquiry senstivie, they're probably laughing their butt off when they pull my credit. Oh well.

[CreditMagic7]

That's a really nice starting limit which if all things else are in line, after around 4 months your SP CLI will really add nicely in growing that card with them.

Congratulations on your new FNBO approval! Excellent choice

[credit_endurance]

Thanks so much CreditMagic7! I really did my homework with them even came across a few of your threads regarding your success along with other members giving me the support I needed to finally give them a shot. So love this community. 

[GetMeSlick]

Congrats OP. my favourite go to card for BT is FNBO. 

but i had only one SP CLI in last 3 years. is that true, they offer in every 3-4 months? 

[credit_endurance]

Thanks so much GetMeSick! From some of the things came across while researching different members approvals they will give you sp cli's if you call in and make a request. And there have been occasions where some have received auto increases. Maybe CreditMagic7 can chime in more on this subject.

[CreditMagic7]

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@credit_endurance wrote:

Thanks so much GetMeSick! From some of the things came across while researching different members approvals they will give you sp cli's if you call in and make a request. And there have been occasions where some have received auto increases. Maybe CreditMagic7 can chime in more on this subject.

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Thanks, i will

So far i always ever call in and not wait for auto because the credit staff are so friendly and upfront,

They will let you know if you're account is eligible for a SP right there and then.

I also read some FNBO posts where members find a surprise auto-CLI and likely because they don't follow those schedules or patterns as much as others.

Hope that helps.

[Anonymous]

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@GetMeSlick wrote:

Congrats OP. my favourite go to card for BT is FNBO. 

but i had only one SP CLI in last 3 years. is that true, they offer in every 3-4 months? 

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I got mine around 1/2016 and it's gone from $2200 > $4500 > $10k > $15k

$10k was an HP but that was just me being inpatient and requesting the CLI online. $4500 and $15k were SP by calling and asking if they have any credit limit increase offers. Last time I called they asked me for income and then said I was approved for "up to $15k"

[Total80sKid]

Big congrats!

[credit_endurance]

@CreditMagic7 & mrflyguy thanks for those data points! 

@Total80sKid thanks so much!

[CreditMagic7]

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@credit_endurance wrote:

@CreditMagic7 & mrflyguy thanks for those data points! 

@Total80sKid thanks so much!

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No problem.

Things are looking up so keep it going