Hello There, I just receieve today in the mail a box from First National Bank Of Omaha... I was wondering what it could be cause I did'nt order the smart card reader for the card yet... anyways it turns out to be a christmas card and a very nice stand up picture frame to show appreciation of me being their customer... wow that is really nice of them anyone else got something like that from them..... Happy Holidays Kev
What were the requirements for this cc, score and whatever info you can pass on thanks. Best regards, Mirage
Hello Mirage, Well I am not sure what kind of score you need for the First National Bank Of Omaha Smart Visa because this card took over my Fleet Fusion Visa Card they just send it to me.. but they are really nice people to talk to and a very nice bank they gave me a $500 credit line increase within like a few months since I been with them... I think you might want to ask someone else that has apply for the card directly with them... Good Luck to you if you do decide to apply with them... Thx, Kev
Kev, thanks for the info. Seems not too many posters here have applied directly to them. I did apply over the weekend and will see what the results are. I called them this morning and after a 10 min wait finally got a cs rep. It seems that my online application has not made it into their system. Also as of this morning that have not pulled any inqs, but if they do pull TU I am a dead duck, 12 inqs in the last 6 months. Also applied at First Tenn. Bank and was rejected online but according to PG no inq. pulls. Best regards, Mirage
Hello George, The APR is an intro rate of 2.9% for 4 mons and then go to rate of 9.99% 1% less then the Fleet Fusion that I had before the tookover.... Hello Mirage, Good Luck to you please let me know what happens hope you get approve by them! Thx, Kev
Oh well FNBO pulled TU on me. That's not a good sign. My TU score has 12 inqs, (3 from the bank for my new mortgage) since 11/03/03. I'm looking for the rejection letter any day now. 8-( Btw, MyFICO.com score for TU is 731 prior to this pull with no derogs. I also applied with First Tn., and was declined while on online but PG does not indicate a inq. pull. Strange! Best regards, Mirage
I was turned down last month, was really hoping for EXP pull... but nope, they pulled TU. my TU file was split and the file they pulled had only accts 1 year old, so I was turned down for not having established credit history. TU FICO-- who the heck knows with a split file
Finally got around to pull my CR from EQ. First Tn. pulled EQ on me and EQ has the date of inquiry as 12/03/03 but I applied online 12/01/03 with an instant rejection. Not sure how this works. Btw, MyFICO.com has my score as 764 with no derogs. Got my letter from Fleet. It listed the reasons for rejection as: No enough time on my cc account and my balance to cl is to high. I looked at my TU report and it's at a 3% utilization with none of my accounts being even close to 30%. Of course the new BofA, Chase and MBNA accounts did hit the report, so that's a legit reason. Nothing on too many inquires. Best regards, Mirage
