FNBO SP CLI

[Anonymous]

@Anonymous    Congrats on the CLI.    That is a nice CL overall too

Having just recently (4 mos.) gotten the ducks card, i wasn't sure on how CLI's were, this is very helpful.

Congrats and thanks again. 

[Anonymous]

@Anonymous Remember the 1st one is 6 months.

[Anonymous]

Thank you @Anonymous 

Some of the other threads (not that there are a lot of them) have said that as well. Guess FNBO isn't a popular bank here as they have been deemed to be super conservative (inq), so i'm shocked i got the card to begin with.  

[newfossil]

Congratulations!

[zerofire]

I know that FNBO has a habit of not offering great product on all of their cards. They only have one or two cards that really shine enough to be picked up with the Ducks Unlimited included in that. Throw in that their main lines are geo-locked and you really have to be really looking for them to know they are worth applying to for something. Side to side Chase outshines them leaving little room left over. My only card that I intentionally called to cancel was with FNBO if that makes a point.

[Anonymous]

Wow, why? Obviously there are other cards don’t have as great of rewards, but I’ve had nothing but great reviews for the ducks and service.

[Anonymous]

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@zerofire wrote:

I know that FNBO has a habit of not offering great product on all of their cards. They only have one or two cards that really shine enough to be picked up with the Ducks Unlimited included in that. Throw in that their main lines are geo-locked and you really have to be really looking for them to know they are worth applying to for something. Side to side Chase outshines them leaving little room left over. My only card that I intentionally called to cancel was with FNBO if that makes a point.

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Thank you @zerofire.  I'm Never/24 as far as Chase is concerned, if that makes a point.   I agree with you that the ducks card is a good one, and most likely the only one from them i will have due to the geo-locked restrictions. 

[Anonymous]

@zerofire What is the card other than ducks unlimited you were mentioning was a good card from them please?

[zerofire]

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@Anonymous wrote:

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@zerofire wrote:

I know that FNBO has a habit of not offering great product on all of their cards. They only have one or two cards that really shine enough to be picked up with the Ducks Unlimited included in that. Throw in that their main lines are geo-locked and you really have to be really looking for them to know they are worth applying to for something. Side to side Chase outshines them leaving little room left over. My only card that I intentionally called to cancel was with FNBO if that makes a point.

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Thank you @zerofire.  I'm Never/24 as far as Chase is concerned, if that makes a point.   I agree with you that the ducks card is a good one, and most likely the only one from them i will have due to the geo-locked restrictions. 

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Chase was used just as an example of an excellent issuer. They are not exclusively the only one. Be aware that Chase uses accounts open as the metric instead of HP's. You can get HP's with denials and it will not mess up your acceptance rate. You still will need to give Chase a good reason to give you a credit line though if you wish to join the club and it will be harder if you are not already in..

[Anonymous]

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@zerofire wrote:

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@Anonymous wrote:

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@zerofire wrote:

I know that FNBO has a habit of not offering great product on all of their cards. They only have one or two cards that really shine enough to be picked up with the Ducks Unlimited included in that. Throw in that their main lines are geo-locked and you really have to be really looking for them to know they are worth applying to for something. Side to side Chase outshines them leaving little room left over. My only card that I intentionally called to cancel was with FNBO if that makes a point.

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Thank you @zerofire.  I'm Never/24 as far as Chase is concerned, if that makes a point.   I agree with you that the ducks card is a good one, and most likely the only one from them i will have due to the geo-locked restrictions. 

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Chase was used just as an example of an excellent issuer. They are not exclusively the only one. Be aware that Chase uses accounts open as the metric instead of HP's. You can get HP's with denials and it will not mess up your acceptance rate. You still will need to give Chase a good reason to give you a credit line though if you wish to join the club and it will be harder if you are not already in..

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Thank you for the clarification.    Excellent issuer is subjective tho.   Chase royally screwed me, so i hate them more than Credit One who i would also not have.    I have NFCU/Amex/Disco, even my new FNBO Ducks card i would consider them more of excellent issuers.