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Stoked at my first real auto luv

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12njoy
Super Contributor

Stoked at my first real auto luv

I know that many of you have received countless auto luv's but this is my first really auto luv.  I received mail today from FNBO.  I figured it was a sales gimmick but I said it could be CLD so I opened up the envelope.  To my surprise they increased my Sun Country from 20k to 25k.  It must have been because I recently did a BT of 4k to this card.  It's been stuck at 20k for over a year now.  In fact, I haven't really been able to get any of my FNBO cards over 20k.  That seemed to be my limit per card with them.  I have the following with them:

 

MLife 20k

Old National Bank Amex 20k

Overstock Mastercard 20k

Rakuten Mastercard 20k

FNBO Amex 15.5k

 

 

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 1 of 13
12 REPLIES 12
AverageJoesCredit
Legendary Contributor

Re: Stoked at my first real auto luv

That's amazing 12, still the game surprises and amazing feeling to get your first auto luvSmiley Happy ENJOYSmiley Wink
Message 2 of 13
CreditCuriosity
Moderator Emeritus

Re: Stoked at my first real auto luv

FNBO doesn't care for me.. Have had my MLIFE card for about 10 months and can't get a SP CLI for the life of me.. Stuck at 7k the SL.... Call them up each month and ask of they have a SP CLI offer and constantly get a nope.. Wonder what I am doing wrong?  Granted I dont put more than 50 on the card in a given monthSmiley Happy

 

BTW Congrats @12njoy

Message 3 of 13
12njoy
Super Contributor

Re: Stoked at my first real auto luv

Thanks averagejoe. It feels great after 5+ years
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 4 of 13
12njoy
Super Contributor

Re: Stoked at my first real auto luv

Sorry to hear CC. FNBO has been very generous to me from that first $1,500 rakuten card.
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 5 of 13
Credit-hoarder
Valued Contributor

Re: Stoked at my first real auto luv


@CreditCuriosity wrote:

FNBO doesn't care for me.. Have had my MLIFE card for about 10 months and can't get a SP CLI for the life of me.. Stuck at 7k the SL.... Call them up each month and ask of they have a SP CLI offer and constantly get a nope.. Wonder what I am doing wrong?  Granted I dont put more than 50 on the card in a given monthSmiley Happy

 

BTW Congrats @12njoy


This isn't 100% conclusive--but I believe FNBO likes to see somewhat heavy usage + have a balance report occasionally...especially at the time of a CLI request. The one time in the last 3 or so years they didn't have a CLI offer for me was when I SD'd the card for about 8 or 9 mos--then when I used it and let a balance report-the CLI 4 mos. cycle picked right back up again. You MIGHT have to have the card for a year also to get a SP CLI offer.

 

BTW Congrats on the auto luv 12! I'll find out next month if they'll let my FNBO AMEX go past the $20K mark or not.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 6 of 13
12njoy
Super Contributor

Re: Stoked at my first real auto luv

I can confirm that FNBO appears to like to see usage. I let my overstock sit dormant for 6 months, it took another 4 months of usage before I saw another sp cli. Didn't make that mistake again. I've never had heavy usage on any of my FNBO cards though.
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 7 of 13
12njoy
Super Contributor

Re: Stoked at my first real auto luv

Thanks CH. Ho po efully you get past that 20k. That seems like its my cutoff with them. I don't have another BT to test again Smiley Sad
(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 8 of 13
credit_endurance
Valued Contributor

Re: Stoked at my first real auto luv

Congrats on the auto luv 12!
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 9 of 13
Meanmchine
Super Contributor

Re: Stoked at my first real auto luv


@12njoy wrote:

I know that many of you have received countless auto luv's but this is my first really auto luv.  I received mail today from FNBO.  I figured it was a sales gimmick but I said it could be CLD so I opened up the envelope.  To my surprise they increased my Sun Country from 20k to 25k.  It must have been because I recently did a BT of 4k to this card.  It's been stuck at 20k for over a year now.  In fact, I haven't really been able to get any of my FNBO cards over 20k.  That seemed to be my limit per card with them.  I have the following with them:

 

MLife 20k

Old National Bank Amex 20k

Overstock Mastercard 20k

Rakuten Mastercard 20k

FNBO Amex 15.5k

 

 


Congrats 12njoy

 

Just noticed that Ebates has their MC issued by Synchrony but Rakuten ( their parent company ) uses FNBO

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 10 of 13
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