FNBO CLD ****Master Thread****

[RealEstateGuy89]

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

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So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026 balance and I hope they don't come for me next but they very well could. 

[Wilburtheman]

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

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So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026w balance and I hope they don't come for me next but they very well could. 

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I was still within the first month of having it so was a new customer. 

When I used my us bank/elan card, the credit limit started growing really fast. 

FNBO seems quite the opposite. 

[SouthJamaica]

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

---

So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026 balance and I hope they don't come for me next but they very well could. 

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Yeah, how dare you people pay your bills off.

[SouthJamaica]

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@SouthJamaica wrote:

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

---

So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026 balance and I hope they don't come for me next but they very well could. 

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Yeah, how dare you people pay your bills off.

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The funny thing is, they must spend a fortune on customer acquisition. Every few weeks I get a large, handsome envelope from FNBO trying to persuade me to take out their "prestigious" 1% cash back card.  Why spend zillions on customer acquisition when you're going to throw away the excellent customers you already do have.

[Jeffster1]

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@SouthJamaica wrote:

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@SouthJamaica wrote:

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

---

So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026 balance and I hope they don't come for me next but they very well could. 

---

Yeah, how dare you people pay your bills off.

---

The funny thing is, they must spend a fortune on customer acquisition. Every few weeks I get a large, handsome envelope from FNBO trying to persuade me to take out their "prestigious" 1% cash back card.  Why spend zillions on customer acquisition when you're going to throw away the excellent customers you already do have.

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Perhaps FNBO is tightening themselves up to market themselves to potential merger partners. 

It still STINKS.

[M_Smart007]

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@SouthJamaica wrote:

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@SouthJamaica wrote:

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

---

So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026 balance and I hope they don't come for me next but they very well could. 

---

Yeah, how dare you people pay your bills off.

---

The funny thing is, they must spend a fortune on customer acquisition. Every few weeks I get a large, handsome envelope from FNBO trying to persuade me to take out their "prestigious" 1% cash back card.  Why spend zillions on customer acquisition when you're going to throw away the excellent customers you already do have.

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That 1% card is good to have, just in case one needed a balance transfer option, and did not have a ton of CU's

[gdale6]

OP are you within their banking footprint or outside of it??

Im thinking this is making a difference.

[Anonymalous]

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@Jeffster1 wrote:

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Perhaps FNBO is tightening themselves up to market themselves to potential merger partners. 

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Probably not. Global mergers were down 42% in Q3 this year, with US mergers down a similar amount. It's the lowest in a decade. Most likely they just feel they're overextended given the economy.

[RealEstateGuy89]

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@gdale6 wrote:

OP are you within their banking footprint or outside of it??

Im thinking this is making a difference.

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I'm thinking you might be right!  I'd love to know.

[RealEstateGuy89]

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@Wilburtheman wrote:

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@RealEstateGuy89 wrote:

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@Wilburtheman wrote:

My evergreen card limit has been reduced from 12k to 500. To be fair to FNBO, I did rack up the card the first month, although I paid it off a week after racking it up 

Not knocking em since I did use it  heavy before they could trust me, but they seem to be pulling back on credit limits for some. 

---

So sorry to hear about the CLD. Seems a bit drastic to me.

How long have you had the Evergreen card? Just curious because I just paid my Evergreen off last week that had a $3026w balance and I hope they don't come for me next but they very well could. 

---

I was still within the first month of having it so was a new customer. 

When I used my us bank/elan card, the credit limit started growing really fast. 

FNBO seems quite the opposite. 

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That just kills me that they issue a card and then within a month or so they cut the limit down to nothing.  Why would they even approve the card if they were going to turn around and do this soon afterwards?  Especially with a good profile and another card at $50k.  After I read this today, I think I’ve logged into my FNBO account 3 times to make sure that it wasn’t cut down as well.  SMH.  Normally I login to it once a month.

I wonder if you called them and expressed your dismay, if it would help at all?