That's weird. They are a weird company and I wont do business with them again.
Dude you gotta be kidding me. Why offer a 0% BT then? That is utterly unreal. Pondering what @Anonymous said just now, it looks like they're suspect on many fronts.
Wow... @Anonymous that is great info. At this point it's no secret that the banking/credit environment is much different than even 3 years ago. And the idiotic teleprompter readers that masquerade as 'news' providers don't report actual news until its in the distant past, which normally leaves us regular folks in the dark. (thank goodness for the Internet) I think it's just Risk mitigation. Perhaps a bit of paranoid risk mitigation. No different than firing people, cutting spending, etc and this is just the beginning.
They probably had some wet behind the ears VP who wanted to increase certain line items and altered their internal algorithm and now they are doing cleanup. Wouldn't surprise me at all. I was wondering whether this only affected the Evergreen card but @RehabbingANDBlabbing pretty much answered that. It's across the board.
Agree that in today's computer driven market ... calling and complaining generally would "fall on deaf ears" ... 
However, the personal satisfaction (psychological) benefits would be worth quite a bit.
However, the personal satisfaction (psychological) benefits would be worth quite a bit.
Time to rattle! Dissertation
In my involvement with First National Bank of Omaha now FNBO I have made some observations over thirty years.
For a good share of the years, it appeared (good qualifier) that First National liked to acquire new customers that had little credit (new) rebuilders (ten years out of BK7) or troubles that were on the mend.
They sent their credit marketers beyond the geo-Fence (guaranteed approval) if applicant met card underwriting standards. Standards often were strict on new credit acquisition; income did not have to be large as it was not uncommon to receive low CLs in the early days (well under $5,000 needed for a Visa Signature back in the day until August 1, 2015). Also, DTI was definitely reviewed as were credit bureau reported open accounts and total available credit lines.
First National cultivated the customer with various BTs, small CLIs (around six months generated by First National not customer requested). Cards grew over time and some rewards were offered some as low as 0.25% up to a whopping 1%. Just enough to keep the customer coming back. In my case the First National Discover Card grew every six months with about a $1500 CLI and rewards increased to 0.50% then on to the ultimate of 1.25% all not requested by me.
Now I did not report this anywhere but (in the name of science) I played with FNBO on the new non-geo-Fenced Evergreen Card. Used their pre-qual and over many months nine plus, set up my CBs with different amounts of outstanding credit, DTI if you will and adjusted income as my income adjusted. Also, closed several credit cards and reduced the available credit lines (yes it did play havoc with my scores - hey, it was in the name of science). The results were interesting.
Found I closed three credit cards worth $25,000 and they increased my pre-qual from $7,400 to $7,800. In the very beginning of the Evergreen Card I had lots of cards and DTI and only pre-qualed for $5,600. While we all know profile is a factor so is income, DTI and available credit. Past performance was harder to gauge as I did keep all credit current on payments.
In the early years it seemed First National was really seeking through their focused credit marketing outside the geo-Fence for the new or more rebuilder type profile (define new a little loosely). Based on writings of this day, they seem to have taken on a new perspective unlike their behavior patterns of the past.
Of note, they were not assigning $15,000 CLs to any one. The large CLs came after there was an established performance track record. Further, First National always seemed to run with higher than market Aprs. Less attractive to those sensitive to Aprs.
Will say, they were known but not well as they were more of a card issuer with their head just enough above the horizon to be picked up by radar. They did however, have a good many Co-branded credit cards which received little notice as the banks, credit unions and retailers marketed their products so it almost appeared the marketer issued the cards. Again, habits from the past.
@805orbust yeah that's what I said. I've never had such a thing happen. I have good scores and 100% payment history with both that card and all my others. Very weird.
Honestly I think they are "cleaning house" after everybody jumped on the bandwagon. We all know that a lot of us (myself included) only went for the Evergreen because of the limits they were handing out and with the pre-qual it was too juicy to pass up. I pre-qualed myself until I saw results that I liked then apped...In hindsight maybe not the best idea but it was a fun ride none the less.
Same deal with my X1 card, they were giving out large limits like candy and I jumped on that bandwagon and now we are starting to see reports of haircuts there too. If you jump on a bandwagon you have to expect the ride to end at some point. The AOD card was closed to new applicants entirely...Is Dover still knocking people's socks off? Asking for a friend.
8/22/24
3/09/25
Wow, @Anonymous that is very cool info, and makes perfect sense. How long has the Evergreen card been offered? Crazy that I never asked that question before. You and @Lou-natic are correct tho. It's a FOTM card which, as y'all pointed out, come and go. I liked this one tho, probably because it, and the Chase Ink really opened my eyes to the Cash back world. Before a year ago I was focused only on MR's.