@leoment wrote:
@galahad15 wrote:
@leoment wrote:
@lg8302ch wrote:Just saw it and it looks like a nice card but when I tried to look at the fine print... here is what I get:
We are currently not accepting applications at this time. Thank you for visiting our website.
FNBO is keeping me in the garden.....closed applictions already
At least like this I do not get tempted...ha ha
Psst. applications are still open. If you click apply now and select say, Nebraska, the application will pop up. Then proceed as normal!
But will they still approve a person though, if s/he selects a state that is still available to app for in, and then FNBO sees in the actual application that s/he lives in a state that is no longer eligible, j/c?
That's how I apped/was approved. I don't live in that region.
So that was the "workaround" ... very clever! Great CC though, just not in the right timeframe for me at the moment.
@leoment wrote:
Sure, I was approved with a SL of $5k
Many thanks for sharing more, very awesome to hear & congrats on your SL, very happy for you!
@leoment wrote:
So I just realized, I have one card with a high util from a BT (70%) reporting, and Galahad mentioned they had high utilization when they apped...
Maybe that's the key to the madness? Show that you (theoretically) might NEED the low APR??!
Wow, you just might be on to something there leoment! 
Yes that would definitely make a lot of sense, given the app results data points so far ...Thanks for very helpfully figuring it out for us!
@leoment wrote:
@galahad15 wrote:
@leoment wrote:
@lg8302ch wrote:Just saw it and it looks like a nice card but when I tried to look at the fine print... here is what I get:
We are currently not accepting applications at this time. Thank you for visiting our website.
FNBO is keeping me in the garden.....closed applictions already
Psst. applications are still open. If you click apply now and select say, Nebraska, the application will pop up. Then proceed as normal!
But will they still approve a person though, if s/he selects a state that is still available to app for in, and then FNBO sees in the actual application that s/he lives in a state that is no longer eligible, j/c?
That's how I apped/was approved. I don't live in that region.
So, were youable to change the state later on in the online application?
Some more hypothetical questions: if this particular card will no longer be part of FNBO's credit card product lineup after 5/31/2015, what implications do you think that will have for the card's long-term future? Just for example, do you think it is inevitably likely to become a legacy or a grandfathered product only applicable to existing cardholders, such as cards like Citi's Forward, Professional, CashReturns, DPR, and similar discontinued card products? Also do you think at some point FNBO will allow PC from this card down the road in the future, while also at the same time allowing existing cardholders to maintain the existing rate of P+3.00%? Or any other misc. predictions for the long-term fate of an arguably very excellent FNBO card product?
@galahad15 wrote:Some more hypothetical questions: if this particular card will no longer be part of FNBO's credit card product lineup after 5/31/2015, what implications do you think that will have for the card's long-term future? Just for example, do you think it is inevitably likely to become a legacy or a grandfathered product only applicable to existing cardholders, such as cards like Citi's Forward, Professional, CashReturns, DPR, and similar discontinued card products? Also do you think at some point FNBO will allow PC from this card down the road in the future, while also at the same time allowing existing cardholders to maintain the existing rate of P+3.00%? Or any other misc. predictions for the long-term fate of an arguably very excellent FNBO card product?
Hypothetically, they could discontinue the product and auto-PC current cardholders.
