First National Auto CLI!

SpiceIslander · ‎02-22-2013

I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

jamesdwi · ‎02-22-2013

@SpiceIslander wrote:
I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

I got the same thing after 6 months, I had about 33% UTL at the time and I started out at a higher CL, so got a bit more. They may be conservative, meaning they do a manual review of all applications but they aren't incredibily picky i was in the low 700's at the time maybe even high 690's when I was approved, I'm lower now, because of UTL but they still gave me the auto-CLI I am going to keep treating them nicely may get a second card with them at some point, and hopefully more auto-cli's.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

myjourney · ‎02-22-2013

@SpiceIslander wrote:
I thought I'd post this as there aren't many posts about FNBO. I applied when I received a pre-approval in the mail last September. They gave me a credit limit of 3600.00 with 13.9 APR. I also had util >50%. Yesterday, I received a letter in the mail from them stating that my CL has been increased to 4500.00. Not a whole lot but I'm grateful, especially when I've only had 4 statements cut. I have also heard that they are extremely conservative. Their rewards are not great but it's nice to have a card with a reasonable APR, if I should carry a balance after my BT is paid off.

Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Epcot · ‎02-22-2013

Congrats on the increase!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

Anonymous · ‎02-22-2013

I like FNBO. I have their Discover card. They always have these great balance transfer offers on their cards. For example, I currently have a 5.99% BT offer on my account with them - fixed for life with no BT fee! They also have a promotion going on currently with personal loans starting as low as 5.99% payable up to 36 months. You never get these kind of offers from the big mega banks. In some sense they feel like a credit union.

Anonymous · ‎02-22-2013

Congrats !!