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FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

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Anonymous
Not applicable

FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

After some careful gardening and some great info I got from the community on the FordPass FNBO Visa I was ready to apply for the card, knowing it would just be a HP on my Experian (which only had 2 inq in 2 years).  Not sure what the score was that they pulled, but my Experian is around 720 (utilization 9%, income $140k).  I have a 2020 Ford F150 and already have a FordPass account, but hadn't received any "offers" prior.  

 

Congrats You're Approved for $11,300!  There wasn't anything else to click to review interest rate or any other details, just a button to take me back to my FordPass account.  Not worried about interest rate since I won't carry a balance on this card ever unless maybe Promo financing.

 

The reasons I chose to get this card are the bonus $100 statement credit after 3 month spend of $3000 (not life changing, lol) then the $200 annual statement credit for spending $6000 each 12 months.  Between the $200 annualy and the points I'll earn off using the card for Ford Oil changes (10pts per $1) and then Gas and Dining (3pts per $1), I calculated I'd earn about enough for 3 FREE oil changes per year (which are about $120 each with a motor that takes 8.8quarts of Synthetic oil).  

 

My first card with First National Bank of Omaha and I'm happy with the SL which is right around my other highest limits.

 

BONUS CLI on my Walmart Capital One card.  This card is the only card I have below a $5000 limit, it was opened about 16 months ago at $500, then 6 months ago I applied for a CLI and they granted me with a $100 bump to $600.  Today I requested a CLI again and was blessed with ANOTHER BUMP OF $100 TO $700!!!  I guess I'll buy a round of Dr Thunders for the community to celebrate!!  I still like that card, I've earned a couple of $25 restaurant gift cards from my Walmart purchases in the past year, but c'mon man, lol.  

 

As always, Thanks for everyone's input and data that helped with my approvals.

Message 1 of 18
17 REPLIES 17
AllZero
Mega Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congratulations on your approval and CLI!

Message 2 of 18
Credit4Growth
Senior Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Instant approval and healthy SLs, I luv 'em!

Congratulations on your Ford Pass Visa approval!

 

Screenshot_20200818-090608.jpg

 

...and congratulations on your Walmart CLI too! 👏 👏 👏 

Message 3 of 18
CreditMagic7
Mega Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congratulations on your FNBO Visa Approval and respectable SL.

 

They are fantastic! Had their card accounts for years. Be advised you can call in every 4 months and ask if your account qualifies for a soft pull CLI and they will be able to assure you either way. Nice effort, good bank.

Message 4 of 18
Anonymous
Not applicable

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Really interesting way to award points as a Ford owner. Also the $200 credit basically free every year seems like a no brainer. What an insane card. I wonder how long they'll offer this since the honey seems suspiciously too sweet. Smiley Happy Seems like a great card nonetheless. 

Message 5 of 18
Anonymous
Not applicable

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI


@Anonymous wrote:

After some careful gardening and some great info I got from the community on the FordPass FNBO Visa I was ready to apply for the card, knowing it would just be a HP on my Experian (which only had 2 inq in 2 years).  Not sure what the score was that they pulled, but my Experian is around 720 (utilization 9%, income $140k).  I have a 2020 Ford F150 and already have a FordPass account, but hadn't received any "offers" prior.  

 

Congrats You're Approved for $11,300!  There wasn't anything else to click to review interest rate or any other details, just a button to take me back to my FordPass account.  Not worried about interest rate since I won't carry a balance on this card ever unless maybe Promo financing.

 

The reasons I chose to get this card are the bonus $100 statement credit after 3 month spend of $3000 (not life changing, lol) then the $200 annual statement credit for spending $6000 each 12 months.  Between the $200 annualy and the points I'll earn off using the card for Ford Oil changes (10pts per $1) and then Gas and Dining (3pts per $1), I calculated I'd earn about enough for 3 FREE oil changes per year (which are about $120 each with a motor that takes 8.8quarts of Synthetic oil).  

 

My first card with First National Bank of Omaha and I'm happy with the SL which is right around my other highest limits.

 

BONUS CLI on my Walmart Capital One card.  This card is the only card I have below a $5000 limit, it was opened about 16 months ago at $500, then 6 months ago I applied for a CLI and they granted me with a $100 bump to $600.  Today I requested a CLI again and was blessed with ANOTHER BUMP OF $100 TO $700!!!  I guess I'll buy a round of Dr Thunders for the community to celebrate!!  I still like that card, I've earned a couple of $25 restaurant gift cards from my Walmart purchases in the past year, but c'mon man, lol.  

 

As always, Thanks for everyone's input and data that helped with my approvals.


How sweet it is! Congratulations on your FordPass Visa! That's terrific! 🥳🥳🥳 Free Oil Changes! 🥳🥳🥳

 

And the squeaking the $100 here and there from the Cap1 WM card (I have this card and have a $300 SL.... rofl'g for you and for me... I see my future with them before me. 😂😂😂 Apparently it's going to take me 24 months to get to a whopping $500. 😂😂😂😁😇

Message 6 of 18
SPChaser
Valued Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congrats on your FordPass approval!!! 🥳

“Play the game, but don't believe in it“
Message 7 of 18
M_Smart007
Legendary Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congratulations on your approval! ...

Message 8 of 18
MartyWrite75
Valued Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congratulations on your approval and CLIs!

June 2025: Experian 772; Equifax 788; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 9 of 18
CreditAggie
Community Leader
Super Contributor

Re: FordPass FNBO Visa $11,300 Instant Approval... and bonus non related CLI

Congratulations on your approval and CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 18
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