I must say, I really like FNBO! I never really use the card, but for the last few months I have used it for a balance transfer for my neice. They gave me a good rate on the BT.
I have had the card for about a year and a half and while I have never gotten an auto CLI, every time I ask for an increase they give it to me. Today they gave me another $2500, this was the third increase I have asked for. I didn't get a HP either, so they said. I believe them too, since I asked if there was an offer to increase the limit. I am very sensitive to HPs! I don't want any, since I am in the garden. I have never had an issue with them, They are always polite. I just wish the rewards were better and the APR was lower. I PIF all of my cards, except the ones my family members use, so no biggie!
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
