FNBO SP CLI? (help)

[Anonymous]

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@Dalmus 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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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.

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No I haven't received one yet. I am pretty sure I called in around 6 months too. 

[Anonymous]

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@Themanwhocan 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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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 4 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.

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Thanks for the data points TMWC. I am just not getting any SP offers from fnbo at all (and I call every 2-3 months).

My utilization is low as well, I only use 3 cards in my wallet actively. (also being a student helps with that). My current AAoA is 5 years. I do not have an installment loan currently. Still curious what I need to do...or just wait further.

[Anonymous]

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@12njoy wrote:

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. 

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Thanks for the advice, I'll try to ask the rep that question more directly next time I call. They just tell me "you have to get hp if you want a cli".

[12njoy]

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@Anonymous wrote:

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@12njoy wrote:

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. 

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Thanks for the advice, I'll try to ask the rep that question more directly next time I call. They just tell me "you have to get hp if you want a cli".

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I know it sucks to keep hearing the same thing over and over, but at least you're not taking a HP.  What is your overall utilization across all cards?  Sorry if you stated that before and I missed it.

[Anonymous]

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@12njoy wrote:

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@Anonymous wrote:

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@12njoy wrote:

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. 

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Thanks for the advice, I'll try to ask the rep that question more directly next time I call. They just tell me "you have to get hp if you want a cli".

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I know it sucks to keep hearing the same thing over and over, but at least you're not taking a HP.  What is your overall utilization across all cards?  Sorry if you stated that before and I missed it.

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No worries, I didn't state it yet. Util updated as of yesterday is 2% total.

[12njoy]

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

[Dahlia77]

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@Anonymous wrote:

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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? 

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Whoa!!  I think Imperfectfuture was just trying to be nice.  If it didn't help you at least in bumped your thread back up to the top where others would see it off the bat.  Can't read a person's tone over the internet but still....

[redpat]

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@Anonymous wrote:

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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? 

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OP, sometimes comments help others reading the thread.  Your post isn't always about you.

Remember, respect your elders!

[Anonymous]

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

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Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

[Anonymous]

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@redpat wrote:

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@Anonymous wrote:

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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? 

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OP, sometimes comments help others reading the thread.  Your post isn't always about you.

Remember, respect your elders!

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My post was in no way trying to disrespect Imperfect or the other posters. I respect Imperfect a lot for helping me in the past and also seeing Imperfect help others. I'm trying to look for a specific answer to a specific question. If the op requests this, then why can't people who are trying to help just follow this instead of going "off topic" to information the op already knows? (judging by name and post count?) 

Please tell me if this is an unreasonable request.