FNBO Evergreen $2.5k Approved

[Drifter73]

This was actually my last app for 2022, but it took a few weeks for them to get the card to me.

Pulled Exp. (744)

New Accounts at time of app: 5/6 - 7/12

2% cb everything 

SL: $2.5k

0%apy for 12mo's on purchases and balance transfers

Added to my daily driver card deck.

[805orbust]

Nice.  I love that card.  Got quite a bit of cash deposited into my savings account thru that one this year... well, last year.

[EAT_SLEEP_JEEP]

congrats on the approval

[Drifter73]

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@805orbust wrote:

Nice.  I love that card.  Got quite a bit of cash deposited into my savings account thru that one this year... well, last year.

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Exactly! I like the direct deposit ACH cb option. It pairs well with my Citi Custom Cash that has the same ACH option. I put all cb from ACH cards like that into a retirement account and just keep stacking (including the subs). Handy dandy  

[KingRue8500]

Congrats on your FNBO Evergreen approval

[Anonymalous]

Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.

[JoeRockhead]

Nice, congrats on your new FNBO Evergreen!!

[805orbust]

@Drifter73 agreed wholeheartedly! 

[Drifter73]

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@Anonymalous wrote:

Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.

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I was kind of hoping they would do an auto increase by the the 7th statement cut without me having to call after they see they are part of my daily driver card set getting lots of swipe love. 

I think I read a few reviews stating that they do Auto increases.

I don't need padding anymore with my total limits and low 6% Utilization, so I try not to over reach cli requests that may result in cld's later when I don't use enough of the limits requested.

I feel that if I keep the Increases organic, as best as i can, I have less chances of cld surprises later. 😀

[Anonymalous]

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@Drifter73 wrote:

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@Anonymalous wrote:

Congrats! It's a nice card. If you call in after 6 months, they might have a soft pull CLI available.

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I was kind of hoping they would do an auto increase by the the 7th statement cut without me having to call after they see they are part of my daily driver card set getting lots of swipe love. 

I think I read a few reviews stating that they do Auto increases.

I don't need padding anymore with my total limits and low 6% Utilization, so I try not to over reach cli requests that may result in cld's later when I don't use enough of the limits requested.

I feel that if I keep the Increases organic, as best as i can, I have less chances of cld surprises later. 😀

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I can respect that. When I was brand new to credit and had to struggle with a $300 CL, I prioritized getting workable CLs. But that's worked out fairly well, to the point where I'm pretty happy with most of my limits, so I've stopped requesting CLIs on most of them. I should be eligible for another CLI on my Evergreen for instance, but I may or may not bother.