From CardWeb.com: No more FICO < 680 for FCNB: Spiegel's OR-based First Consumers National Bank has signed a consent order with the OCC to end the issuance of sub-prime credit cards. FCNB has agreed to stop issuing any new secured credit cards unless it is fully secured; increasing the credit line of any existing secured credit card; issuing any new unsecured or partially-secured credit cards to any existing customer with a FICO score below 680; and providing any new credit line increases on any bankcard to any customer having a FICO score less than 680.