FNBO Sheetz Approval

[Anonymous]

**EDIT: Approved for $6K SL"*

FNB Omaha is a tough one and 2 years ago turned me down for a silly Sheetz gas card, even with 800 scores across the board. Said I had too many INQs and new cards due to a spree. Sheetz is a very popular gas station here in the northeast and the CC gives you 5 cents off per gallon, plus in-store rewards. Combine the 5 cents for using their gas card along with the 3 cents for just having a regular Sheetz card, will now give me 8 cents off per gallon. They're already the cheapest gas in town and literally across the street from where I work.

I decided to app for this card again tonight after considering it (had posted in another thread). I had 1 EX HP in January but nothing else in over a year. Got an immediate approval, however it did not tell me what the CL will be. It's one that I'll pay for gas with and immediately pay off and not carry a balance, plus I'm sure the APR will be high. I don't know typically what FNBO normally gives for a CL for their gas cards, so I guess I'll hold my breath and wait. I did call CS and they have no record yet of my app, they said it will be 24 hours.

[Anonymous]

Congrats. I hear they are very picky on new customers

[Anonymous]

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@Anonymous wrote:
Congrats. I hear they are very picky on new customers

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I read good things about FNBO, I guess once you're in, they take care of you.

[thummel]

Congrats on the FNBO approval! They are currently next on my list.

[Anonymous]

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@thummel wrote:
Congrats on the FNBO approval! They are currently next on my list.

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They are very very conservative. Two years ago they turned me down for this same card because of too many INQs.

[CreditMagic7]

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@Anonymous wrote:

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@thummel wrote:
Congrats on the FNBO approval! They are currently next on my list.

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They are very very conservative. Two years ago they turned me down for this same card because of too many INQs.

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That is so right!

It took myself something on the order of 2 years plus just to get in with them. INQ's were also the issue here but as they dwindled down to a mere few it was a whole other ballgame and acceptance was sweet,

FNBO is everything you read about in here and personally i also really admire their customer service and SP CLI's are a big sell point IMO if you have the patience to manage your profile to their favor.

Congratulations!!

[steelers1]

Congrats!

They turned me down 4 months ago when I answered their pre-approval they sent me.

[Anonymous]

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@steelers1 wrote:

Congrats!

They turned me down 4 months ago when I answered their pre-approval they sent me.

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That's what happened to me 2 years ago too. I had a pre-approval too and got turned down for the INQs.

[Anonymous]

I was surprised, got the card today and activated it, just in time for the big snowstorm that's coming and I filled up the gas tank and gas cans for the snowblower and generator and got my 8 cents off per gallon of gas at Sheetz.

Even more surprising is the fact the APR is 16.49%. That I was not expecting, two years ago the offer was 21.99% when I was turned down. Apparently they think higher of me this time around.

Sort of glad to have a relationship now with FNBO. Hope they don't mind the PIFs each month.

[CreditMagic7]

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@Anonymous wrote:

I was surprised, got the card today and activated it, just in time for the big snowstorm that's coming and I filled up the gas tank and gas cans for the snowblower and generator and got my 8 cents off per gallon of gas at Sheetz.

Even more surprising is the fact the APR is 16.49%. That I was not expecting, two years ago the offer was 21.99% when I was turned down. Apparently they think higher of me this time around.

Sort of glad to have a relationship now with FNBO. Hope they don't mind the PIFs each month.

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They won't mind that at all.

In fact you'll be surprised again when in about 4 months or so you will be eligible for a nice SP CLI.