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First National Bank of Omaha is restricting access to their products based on market service area

Valued Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are

I kind of figured this would happen. I used to get Preapprovals from them all the time (Omaha AMEX) and I'm way out of their service area. Always ignored the offers but recently tried to get a card with them and said I was out of the service area. I live in CA.

As of 2017, rebuilding...
Message 11 of 26
Super Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are


maiden_girl wrote:

I kind of figured this would happen. I used to get Preapprovals from them all the time (Omaha AMEX) and I'm way out of their service area. Always ignored the offers but recently tried to get a card with them and said I was out of the service area. I live in CA.


That's what I had always heard that they were a local lender then all of a sudden they started sending out pre-approvals all over maybe they filled their quota for outside the local area 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 12 of 26
Moderator Emeritus

Re: First National Bank of Omaha is restricting access to their products based on market service are

10-22 that.  Just got it to go through and PIF'd it.  Whew.........Smiley Surprised

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 13 of 26
Super Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are


Shogun wrote:

10-22 that.  Just got it to go through and PIF'd it.  Whew.........Smiley Surprised


I know your happy Smiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 26
Moderator Emeritus

Re: First National Bank of Omaha is restricting access to their products based on market service are

Of course I am... and I paid that whole $61.52 I had amassed on that bad boy.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 15 of 26
Super Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are


Shogun wrote:

Of course I am... and I paid that whole $61.52 I had amassed on that bad boy.  Smiley Happy


My plan was to use it when Discover gas 5% ran out the problem was Barclay has a promo they sent me for 3X on gas until 12/31 

Whereas my FNBO Amex is 2% all year

Guess I may have to run some of that gas thur for 2% .......I don't want no problemsSmiley Surprised

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 16 of 26
Moderator Emeritus

Re: First National Bank of Omaha is restricting access to their products based on market service are

I used mine at the grocery store to buy food to make the family an Italian dinner.   So win/win.... Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 17 of 26
Super Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are


Shogun wrote:

I used mine at the grocery store to buy food to make the family an Italian dinner.   So win/win.... Smiley Happy


Win/win indeed 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 18 of 26
Valued Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are


Shogun wrote:

Of course I am... and I paid that whole $61.52 I had amassed on that bad boy.  Smiley Happy


LOL

As of 2017, rebuilding...
Message 19 of 26
Super Contributor

Re: First National Bank of Omaha is restricting access to their products based on market service are

FNBO CRs said that current card members will be unaffected by the restricted marketing area. The CR was not sure how long the restriction would be in place. Seems other bank lendors are doing the same thing. Wonder why?
Starting Score: 829 Fico TU08
Current Score: 835 Fico TU08
Goal Score: 850


Take the myFICO Fitness Challenge
Message 20 of 26