FNBO - What's the biggest CLI possible? I'm trying to consolidate cards

[RandomCreditDude]

I'm on a quest to consolidate down to a handful of high limit cards. Here's what I have right now

Chase Sapphire Preferred - 50k

Amex BCP - 33k

Discover - 30K

BoA Travel Rewards - 28K

FNBO - 15K

Citi - 12K

Amex Plat - doesn't count, no fixed CLI

My current total debt (this is ALL debt) is ~$2,500, and my income and FICO scores are quite high. I have between 2-6 years of history with these lenders, with my oldest account at 6 years (BoA). Citi is the newest at 1.8 years. I don't have too many inquiries (maybe 3 right now, all at least a year old).

Of the cards listed, I'd like to bump up FNBO (3 years with them), but I don't know if they give truly big CLIs (50k and above).  I know the others do - Citi I got most recently so I'm OK slowly building that one up.

Can anyone tell me if it's worth asking FNBO for $50k? Are they the kind of lender that gives high limits? Their APR is really low (3.5%) so I like the idea of a high limit card with a really low APR - not that I've ever used it or even planned to, but just for a rainy day maybe..

thanks

[CountryLivin]

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@RandomCreditDude wrote:

I'm on a quest to consolidate down to a handful of high limit cards. Here's what I have right now

Chase Sapphire Preferred - 50k

Amex BCP - 33k

Discover - 30K

BoA Travel Rewards - 28K

FNBO - 15K

Citi - 12K

Amex Plat - doesn't count, no fixed CLI

My current total debt (this is ALL debt) is ~$2,500, and my income and FICO scores are quite high. I have between 2-6 years of history with these lenders, with my oldest account at 6 years (BoA). Citi is the newest at 1.8 years. I don't have too many inquiries (maybe 3 right now, all at least a year old).

Of the cards listed, I'd like to bump up FNBO (3 years with them), but I don't know if they give truly big CLIs (50k and above).  I know the others do - Citi I got most recently so I'm OK slowly building that one up.

Can anyone tell me if it's worth asking FNBO for $50k? Are they the kind of lender that gives high limits? Their APR is really low (3.5%) so I like the idea of a high limit card with a really low APR - not that I've ever used it or even planned to, but just for a rainy day maybe..

thanks

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FNBO is a very very conservative bank.....how are your credit scores?

[Themanwhocan]

I asked a FNBO CSR about their credit limits once after getting a CLI. She told me that she had seen multiple accounts with $50K limits, and at least one with a $100k limit.

My FNBO card is currently at $50k.

[RandomCreditDude]

Ah great, good to know that it's possible. My FICO scores are all above 790, so it sounds like I can grow this card over time.

Thank you for answering my question.

[CreditMagic7]

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@RandomCreditDude wrote:

Ah great, good to know that it's possible. My FICO scores are all above 790, so it sounds like I can grow this card over time.

Thank you for answering my question.

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Exactly.

Just keep at it with them on a normal pace and within time you should see that tremendous progress you might not have thought possible with FNBO.

Your FICO Scores are to your favor on that of course too.

This member is also a very happy camper and although it took some effort and time for first approval, i must say they have exceeded all of my own expectations.

[Themanwhocan]

You do have to call every 4 months and ask if a Credit Limit increase is available without a hard credit pull. They then ask your income, whether you pay a morgage or rent, and how much your monthly payment is. They enter that, and their computer tells them if an offer is available. Easy peasy lemon squeesy, but you do have to ask.

The squeaky wheel gets the grease...

My very last increase I did accept a HP, and they wanted me to fill out a form with basic financial info on it, in order to process my request to go from $36k+ to $50k. But they did approve it, with my $62k income, no listed assets whatsoever, and reason for wanting the increase was "the card has a low APR, and would be useful if I needed to make a large purchase in the future".

They do seem to like it if you use teh card every month, even though I used it trivial amounts (sub $100) most of the time. When I didn't use it, my CLI requests didn't work... But thats ok, you just call back in another 4 months. And again in another 4 months...

[CreditMagic7]

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@Themanwhocan wrote:

You do have to call every 4 months and ask if a Credit Limit increase is available without a hard credit pull. They then ask your income, whether you pay a morgage or rent, and how much your monthly payment is. They enter that, and their computer tells them if an offer is available. Easy peasy lemon squeesy, but you do have to ask.

The squeaky wheel gets the grease...

My very last increase I did accept a HP, and they wanted me to fill out a form with basic financial info on it, in order to process my request to go from $36k+ to $50k. But they did approve it, with my $62k income, no listed assets whatsoever, and reason for wanting the increase was "the card has a low APR, and would be useful if I needed to make a large purchase in the future".

They do seem to like it if you use teh card every month, even though I used it trivial amounts (sub $100) most of the time. When I didn't use it, my CLI requests didn't work... But thats ok, you just call back in another 4 months. And again in another 4 months...

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Keynote. Usage although not stated as such a requirement, does return timely results.

As an anology, a somewhat similar strategy is employed albeit totally different otherwise (i will explain) with how synchrony sometimes operates.

And here it is. Rotating normal usage on my Synchrony Cards once all is PIF and done they select a different one and begin an email campaign to my inbox.

With FNBO card brands which they too happen to sponsor (i have a pair), the moment my PIF is recorded, here comes that emails too. Simple reminders of course but mine are frequent so i don't concern over usage or eligibility for SP CLI's with FNBO.

You already know that it's done in such a way as a sort of a nudge to encourage us to get busy with them again. So far my own usage has been acceptable enough with FNBO that the SP CLI cycle has been regular to date.

I only make mention not so much as a point of comparisons between any two such lenders, but if it can serve of any interest, FNBO "also" offers those useful APR Reductions whereas Synchrony cards APR are locked in stone.

[B335is]

FNBO also does auto-CLI.  In my experience they've bumped my limit after I took advantage of BT offers.  My CLI by request or automatic have generally been $4k-6k each time.

[Anonymous]

My 2 cents worth to the Mod and OP Random....I opened my FNBO Low Rate card in 2013. Every 6 months they auto CLI, just like clock work. The limit started at $8K and went to $35K.  The limits were always significant but seemed larger after a low rate BTR offer was used. The CLIs have stopped though. I see some of the co-branded cards and have been tempted, but never asked for them. The original OP (Random) mentions a 3.5% rate....I want that! My regular rate is 9.9%, and  with BT offers at 5.9% wtth no BT fee or 4.9% APR with a BT fee.

[Kforce]

$ 5000