cancel
Showing results for 
Search instead for 
Did you mean: 

FNBO M-Life Rewards Approved $15,000.00

Contributor

FNBO M-Life Rewards Approved $15,000.00

We visit Vegas twice a year and I am an M-Life member, so decided to apply. I already have another FNBO card for past 5 years. The approval for this one was not instant. After submitting the response was "You will hear from us in 2 to 4 weeks via US Mail." I did call but CSR couldn't find the app and said to call back in a couple of days. The next day an email said "Thank you for your application, If approved you will receive your card in 7 to 10 days." Strange.... So I looked at my M-Life account with MGM. The customer status had changed to highr level and the SUB points had already posted, so I knew I was approved. On the 6th day after applying, the card came in the mail. 

 

I'm happy with the SL and my other card with FNBO did grow rapidly with auto CLIs. 

FICO 8 Avg.: 750 FICO 9 Avg.: 805 Total Rev CL: $375,000 CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 1 of 9
8 REPLIES
Valued Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Congrats. 



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 2 of 9
Moderator

Re: FNBO M-Life Rewards Approved $15,000.00

Huge approval!  Have had mine about 9 months still sitting at the same same 7k approval initially but really dont use it more than 50 a month.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 3 of 9
Valued Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Congrats on approval and monster SL

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 9
Frequent Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Nicely done! Also, that SL seems high. I thought FNBO were conservative with their limits. Surprised no one has asked this...but what datapoints can you provide? This card was on a mini spree of mine last Oct and FNBO did NOT care for my new accounts. TWondering how many new accounts you had in the last 12 months, who they pulled and your scores and anything else you wish to provide.Thanks!

Message 5 of 9
Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Hey Credit Curiosity! Thank you! Have you been to Vegas yet with it? I was happy with the SL. I do have their Visa Platinum 9.9% fixed rate. It started out in 2013 at $8,000, and then moved up steadily every 6 months. Once it hit $30K limit they stopped with the auto Luv. So I have a relationship already. 

FICO 8 Avg.: 750 FICO 9 Avg.: 805 Total Rev CL: $375,000 CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 6 of 9
Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Hi Elktech...I have a relationship wiht FNBO. I have their Platinum Visa for past 5 years. So, well established with them . This new card was one of two I applied for at once. This one and Chase Freedom Unlimited. Otherwise no other new credit in the past 2 years. They pulled TransUnion. My TU score was 745.  I have one baddie from 2013, that was the short sale on my house. Otherwise all clean. When the short sale finally drops I hope the scores go up to the 800s.

FICO 8 Avg.: 750 FICO 9 Avg.: 805 Total Rev CL: $375,000 CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 7 of 9
Community Leader
Super Contributor

Re: FNBO M-Life Rewards Approved $15,000.00

Congrats Dave have fun 4 meSmiley Wink




Message 8 of 9
Established Member

Re: FNBO M-Life Rewards Approved $15,000.00

Awesomeness!! Congrats!

Officially adding this to my wishlist. I just read it gives you a free cruise each year when you become platinum member! :-)
Starting 653 EQ Score ---> 4/29/2018
Current EQ 675 TU 655 FICO 610 --->6/17/2018
Current CCs:
USAA Classic Visa SL$500
Finger Hut SL: $600
First Progress: SL $400
Buckle: SL $250
Credit One: SL$400 Current CL: $600
Milestone Gold: CL $300
First Access SL: $300 Current CL: $350
Total Visa SL: $300 Current CL: $450
Neiman Marcus SL: $1K
Wayfair SL: $2K Current CL: $2.8K
Fidelity SL $3K
Overstock SL: $2K
Lowes Advantage SL: $400
Message 9 of 9