FNBO keeps it going!

Rudy1 · ‎07-17-2021

It has been an amazing week with both a Citi Double Cash approval $3000 and a Home Depot CLI of $10,000. I did apply for a BOFA cash rewards but I think that I knew that was a mistake as I still have inquiries on my report. Got a 7-10 message called recon nah they said too many inquiries in 24 months ok fair. Though not a big loss to me. I got a mailer from FNBO with an offer for their All New FNBO Visa Rewards Card. I didn't know much about them. I looked them up did their pre approval online and it said I was qualified for a $14,000. I looked it up on here and it seems like their pre approval's online are sort of a hit and miss. I wasn't sure I even wanted to app but ya know YOLO! I applied from mailer filled in my info and in 30 seconds I was approved with a credit limit of $11,300. Yeah you saw that right $11,300! Hey it wasn't $14,000 but do I look like i'm complaining. That is my second card with a credit limit of above $10,000. I am not counting Home Depot or Bloomingdales as they can not be used outside these stores. I don't know if FNBO cli's are hp or sp but i'm hoping either way that my card grow because I have seen people on here with $30,000 limits on fnbo cards! This has been a fun week!

Elan Max Cash Preferred Visa Chevron CU $2000

Citibank Diamond Preferred Mastercard $200

Bloomindales American Express Card $20,000

Elan Financial Horizon Bank SMART BUSINESS REWARDS CARD $4000

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American Express Blue Business Plus Card $2600

Lowes Business Amex Business Rewards Card $2600

PHH Mortgage Formerly Ocwen(The Actual Worst of Mortgage Servicer) Formerly GMAC!

2016 Mini Cooper Countryman through Carvana

Goal Cards:

Bank Of America Customized Cash Rewards Card

M_Smart007 · ‎07-17-2021

Congrats on your FNBO approval

Rudy1 · ‎07-17-2021

Thanks!

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Goal Cards:

Rudy1 · ‎07-17-2021

Also for those wondering the mailer did have fixed APR language and I was just more cofortable with the mailer then the online pre qual those it sounds like both are sorta ymmv.

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Goal Cards:

Anonymous · ‎07-17-2021

@Rudy1 wrote:
It has been an amazing week with both a Citi Double Cash approval $3000 and a Home Depot CLI of $10,000. I did apply for a BOFA cash rewards but I think that I knew that was a mistake as I still have inquiries on my report. Got a 7-10 message called recon nah they said too many inquiries in 24 months ok fair. Though not a big loss to me. I got a mailer from FNBO with an offer for their All New FNBO Visa Rewards Card. I didn't know much about them. I looked them up did their pre approval online and it said I was qualified for a $14,000. I looked it up on here and it seems like their pre approval's online are sort of a hit and miss. I wasn't sure I even wanted to app but ya know YOLO! I applied from mailer filled in my info and in 30 seconds I was approved with a credit limit of $11,300. Yeah you saw that right $11,300! Hey it wasn't $14,000 but do I look like i'm complaining. That is my second card with a credit limit of above $10,000. I am not counting Home Depot or Bloomingdales as they can not be used outside these stores. I don't know if FNBO cli's are hp or sp but i'm hoping either way that my card grow because I have seen people on here with $30,000 limits on fnbo cards! This has been a fun week!

Cool story -- congrats on your success.

Data Points (DPs) help others make informed credit decisions -- have you any to share?

Anonymous · ‎07-17-2021

Congrats on the success. With FNBO, an online CLI request is a HP. Wait six months and call. Ask the CSR if you have any SP CLI ability on your card. If so, they can process it on the spot. From what I've read, it's six months for the first one, and after that you can ask every four months.

This is all from reading, not personal experience, as I'm still several days away from the six-month mark on my first FNBO card, but hopefully next week I can back it up with proof. @Jnbmom has been the guiding light for me on what to look for based on her experiences with them.