Overstock.com Secured Mastercard through First Omaha Bank

[sunshine7624]

Got an e-mail today asking me to apply for this card.  I don't really need it now but here's the link they provided in the e-mail for anyone who may be interested.  Seems like a great option for secured cards, as it goes unsecured in 11 months.  I'm guessing they sent it to me because I applied awhile back for one of their Visa Cards (unsecured) and got denied.

http://www.overstock.com/64567/static.html?uuidCode=RM813DK3L23JV&subAgentCode=905&cboffer=005&TID=S...

[CreditMagic7]

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@aqualuv74 wrote:

Got an e-mail today asking me to apply for this card.  I don't really need it now but here's the link they provided in the e-mail for anyone who may be interested.  Seems like a great option for secured cards, as it goes unsecured in 11 months.  I'm guessing they sent it to me because I applied awhile back for one of their Visa Cards (unsecured) and got denied.

http://www.overstock.com/64567/static.html?uuidCode=RM813DK3L23JV&subAgentCode=905&cboffer=005&TID=S...

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Same here. I app'd the Overstock and was flat out denied and even on Recon. It is an online store card no less for pity's sake but they cited the fact that after 4 INQ they had to deny. Bahh! I will not be apping a FNBO CC again unless it's a bonified preapproval period.

[trumpet-205]

You sure INQ is the only reason for denial?

When I apped my Overstock MC I had like 10 INQs on my EQ and was instantly approved for $5,100.

[CreditMagic7]

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@trumpet-205 wrote:

You sure INQ is the only reason for denial?

When I apped my Overstock MC I had like 10 INQs on my EQ and was instantly approved for $5,100.

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That was the exact excuse they gave me but just like you i've read approvals with far more then that quoted number.

[Creditaddict]

OMG thank you for posting this, I'm so applying... Im so mad at myself for closing my secured card I had with FNBO because I want the free EX Fico and once unsecured I want the SP CLI!!! but i always have way to many INQ to get an unsecured card with them so I should have just waited out my secured but it wasn't going to possibly unsecure until 18 months.... this 11 months sounds great!!

[sunshine7624]

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@CreditMagic7 wrote:

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@aqualuv74 wrote:

Got an e-mail today asking me to apply for this card.  I don't really need it now but here's the link they provided in the e-mail for anyone who may be interested.  Seems like a great option for secured cards, as it goes unsecured in 11 months.  I'm guessing they sent it to me because I applied awhile back for one of their Visa Cards (unsecured) and got denied.

http://www.overstock.com/64567/static.html?uuidCode=RM813DK3L23JV&subAgentCode=905&cboffer=005&TID=S...

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Same here. I app'd the Overstock and was flat out denied and even on Recon. It is an online store card no less for pity's sake but they cited the fact that after 4 INQ they had to deny. Bahh! I will not be apping a FNBO CC again unless it's a bonified preapproval period.

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I've read that they are pretty strict, the one I applied for was the Platinum Edition Visa, they gave a list of reasons for the denial 

[sunshine7624]

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@Creditaddict wrote:

OMG thank you for posting this, I'm so applying... Im so mad at myself for closing my secured card I had with FNBO because I want the free EX Fico and once unsecured I want the SP CLI!!! but i always have way to many INQ to get an unsecured card with them so I should have just waited out my secured but it wasn't going to possibly unsecure until 18 months.... this 11 months sounds great!!

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You are welcome!  Yes the 11 months is the shortest timeframe I've seen for any secured card.  Hope it works out! 

[Booboo71]

I received the email to apply but , for some reason it doesn't allow you to apply.... Anyone else with issue? Do you have to be a member of overstock first?

[sunshine7624]

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@Booboo71 wrote:

I received the email to apply but , for some reason it doesn't allow you to apply.... Anyone else with issue? Do you have to be a member of overstock first?

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I clicked the link to apply and it asks you to login or create account so it looks like you need to do that first. 

[Creditaddict]

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@aqualuv74 wrote:

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@Booboo71 wrote:

I received the email to apply but , for some reason it doesn't allow you to apply.... Anyone else with issue? Do you have to be a member of overstock first?

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I clicked the link to apply and it asks you to login or create account so it looks like you need to do that first. 

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I logged in and then was able to apply and did... said i would hear in 2-4 weeks by mail!