Lesson Learned: Don't be impatient with FNBO on CLIs

[itguy_65]

OK, so during my "app spree" in September, I got the FNBO Platinum VISA card at 3.25%, then moved a loan to it that had been at 11.50%, to take advantage of the 3.25%.  Anyway, I wasn't aware that they did evaluation for auto CLIs at 6 months.  So, anyway, two weeks ago, I jumped the gun and did a CLI request in an attempt to lower the UTIL on that account.  The CLI request was a HP, and I got a letter saying it was denied for excessive new accounts, which was not a surprise.  Anyway, got the statement two days later and on the statement was the fact that I had been granted an auto-CLI.  Of course, I called customer service and wanted the HP removed, to which I was told no way, since I was notified when I made the request.  Called again, spoke to a supervisor, and they held their ground.  Anyway, just wanted to share my lesson with those of you who have been so valuable to me!

[takeshi74]

Why would you expect the HP to be removed?  I received an autoCLI is not a basis for removal.

[itguy_65]

Yes, my only answer is that "it was worth a try".  The real lesson I was trying to convey was to not be impatient, like I was...

[NRB525]

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@itguy_65 wrote:

OK, so during my "app spree" in September, I got the FNBO Platinum VISA card at 3.25%, then moved a loan to it that had been at 11.50%, to take advantage of the 3.25%.  Anyway, I wasn't aware that they did evaluation for auto CLIs at 6 months.  So, anyway, two weeks ago, I jumped the gun and did a CLI request in an attempt to lower the UTIL on that account.  The CLI request was a HP, and I got a letter saying it was denied for excessive new accounts, which was not a surprise.  Anyway, got the statement two days later and on the statement was the fact that I had been granted an auto-CLI.  Of course, I called customer service and wanted the HP removed, to which I was told no way, since I was notified when I made the request.  Called again, spoke to a supervisor, and they held their ground.  Anyway, just wanted to share my lesson with those of you who have been so valuable to me!

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Good info. Thanks for sharing.

[gdale6]

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@itguy_65 wrote:

OK, so during my "app spree" in September, I got the FNBO Platinum VISA card at 3.25%, then moved a loan to it that had been at 11.50%, to take advantage of the 3.25%.  Anyway, I wasn't aware that they did evaluation for auto CLIs at 6 months.  So, anyway, two weeks ago, I jumped the gun and did a CLI request in an attempt to lower the UTIL on that account.  The CLI request was a HP, and I got a letter saying it was denied for excessive new accounts, which was not a surprise.  Anyway, got the statement two days later and on the statement was the fact that I had been granted an auto-CLI.  Of course, I called customer service and wanted the HP removed, to which I was told no way, since I was notified when I made the request.  Called again, spoke to a supervisor, and they held their ground.  Anyway, just wanted to share my lesson with those of you who have been so valuable to me!

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This bank is very generous with CLIs. You can call customer service and ask if there is a pre approved sp CLI available every 3 months, they will say yes or no, I would never use the luv button to ask for a CLI with FNBO.

[Themanwhocan]

I called today, no SP CLI for me ...

I've only had a FNBO card for about 3.5 months.

[Involver]

Lesson learned.

With FNBO, call CS and ask for a CLI.  They will enter your info and say whether or not you are pre-approved or are willing to go through with a HP.

Every 4 months like clockwork here, 5K increases.