FNBO SP CLI? (help)

[Anonymous]

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol) 

Looking to hear from the fnbo vets/pros! 

[Imperfectfuture]

They do not wish to give it to you? PS, open forum, open answers. Have you asked them why? I often get good responses, and have improved my standing with the banks, following their advice. Just a thought.

[Dahlia77]

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@Anonymous wrote:

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol) 

Looking to hear from the fnbo vets/pros! 

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No idea but looking at your sig could it be because you already stand at $100,000 credit?

Just got in with FNBO so will be watching this thread to see what the vets have to say about this.  Hopefully someone with knowledge will chime in.

[redpat]

The funny thing is you answered your own question.

[takeshi74]

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@Anonymous wrote:

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

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As with any creditor/product it is not just about usage or just about the account itself.

I've barely used my FNBO card and I've received several CLI's.  It's not alone in that regard.  There a number of cards that I have that see little usage or even no usage that have received CLI's.  One card was unused for a very long time.  I can't recall how long but we're talking 6 months to a year or more and it received a $17K CLI, for example.  I have cards I use all the time that have never received a CLI but those cards started out with large limits and with at least one creditor I know I hit my internal limit so that will obviously prevent CLI's.

Do not rely solely on usage for CLI's.  When a creditor considers you for a CLI a creditor will look at your credit profile and income.  That's why they pull your report(s) -- whether SP or HP and that's why they ask you about your income when you make a request or they use the income you previously provided if they're initiating the process.

Your credit profile and your income are always the primary considerations.  If you're not getting CLI's with any creditor then you need to look at your credit profile and address whatever concerns the creditor has with your profile.

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@Anonymous wrote:

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol)  

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Reality is what it is. You can stick your head in a hole in the ground but that doesn't change reality. If you're expecting me to just tell you what you want to hear then, yes, my post will be disappointing.  If you choose to continually rely on usage or other simple assumed causal relationships, quick fixes, etc then you're going to constantly miss many things.

However, if you want help reviewing your profile then give us enough info to understand what it's like and we can help point out what you're missing.

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@Anonymous wrote:

Looking to hear from the fnbo vets/pros! 

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You don't really need "FNBO vets/pros".  Yes, underwriting criteria can vary a bit from creditor/product to creditor/product but good credit is good credit and identifying issues and addressing them helps with all creditors.

I don't tailor my approach for every creditor.  No one has sufficient details to really understand all the break points and different tiers with every creditor and product out there.  I work to ensure that my profile is in the best shape it can be and that's what get me approvals, high limits, low APR's, CLI's etc.

[Dalmus]

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@Anonymous wrote:

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol) 

Looking to hear from the fnbo vets/pros! 

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Did you get an auto CLI at 6 months?  I've been getting them like clockwork with light usage.  As long as I get a regular auto cli, I don't see the need to manually request one.

[Themanwhocan]

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@Anonymous wrote:

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol) 

Looking to hear from the fnbo vets/pros! 

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I didn't get anything when I asked at 4 months, though at 6 months I received $2500. And I had obtained a second FNBO card earlier that month.

Then I was declined on both cards after another 3.5 months.

4 more months and the first card received $5000.

3 more months and the second card finally recieved $5000.

3 more months brings us to last week, and the first card received a $2700 CLI.

Current limits

$20,000 Savingstar (19+ months old)

$11,200 FNBO 1.5% cash back, 6.5% APR card (14+ months old)

Now, my total credit limits are very high now. My FICO scores are lower than yours, but my utilization is always extremely low due to the total credit limits and paying down early. I had a couple cards in the $30k limit range until this month when 2 of em entered $40k range, but those haven't hit the credit reports yet. My AAoA has never hit 2 years, and I do have one installment loan at less than 10% left for scoring purposes.

[Themanwhocan]

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@Dahlia77 wrote:

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@Anonymous wrote:

I'm using the card frequently (always in my wallet no matter what, whereas other cards are rotating) for 8 months and called in and haven't gotten a SP offer.

Am I missing anything?.... (woud like to hear something different other than "your credit or income dont support it" lol) 

Looking to hear from the fnbo vets/pros! 

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No idea but looking at your sig could it be because you already stand at $100,000 credit?

Just got in with FNBO so will be watching this thread to see what the vets have to say about this.  Hopefully someone with knowledge will chime in.

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I'm now at $348K with $62K income. So, no, that isn't likely the reason.

[12njoy]

I've gotten FNBO cli's every 3-4 months like clockwork.  It's something in your profile, what I don't know.  My income is  1/4 of my credit limits, I have a high number of inq's on EX and I don't use FNBO cards on a daily basis.  I have one card which I used a BT offer on and am paying on that, but my other 3 cards from them sit at zero.  My EX score isn't all that great either.  I think maybe you should ask FNBO what the issue is and see if they provide you any guidance. I've never gotten past $2,500 cli's but that's ok by me. 

[Anonymous]

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Imperfectfuture wrote: 
They do not wish to give it to you? PS, open forum, open answers. Have you asked them why? I often get good responses, and have improved my standing with the banks, following their advice. Just a thought.

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Well of course everyone is open to posting whatever they want on these forums. The real point is if it will actually help the poster who is actually wanting help for a specific topic. What's the point of posting something the poster already knows?