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  1. #1

    FNBO just sent me a check for $300!

    Never mind my last post. I just got off my lazy butt, went outside to get my mail and there was a check from FNBO for $300 and a note saying they no longer needed a deposit to keep my card open.

    I just don't know if I should request a CLI or try to PC. I thought about going into a branch, talking to a banker and opening a savings account with the $300 if they would let me PC to a rewards card. On the upside my card now has no AF and will start reporting as unsecured. The only thing is my CL stayed at $300.

    What should my next move be?

  2. #2
    Be it right or wrong, I just requested a $300 increase for a total CL of $600. The part I don't like they always do a manual review and it takes 5 to 10 days to get an answer. They said they would first do a soft pull but if they couldn't grant the increase based on the soft pull it would be a hard pull.

    I'm just afraid I'm wasting a hard pull

  3. #3
    FNBO cards aren't that common here, and I'm not sure who else has had an FNBO secured card.

  4. #4
    Hopefully someone can give you good information, but I'd keep looking elsewhere.

  5. #5
    I just don't know if I should request a CLI or try to PC. I thought about going into a branch, talking to a banker and opening a savings account with the $300 if they would let me PC to a rewards card. On the upside my card now has no AF and will start reporting as unsecured. The only thing is my CL stayed at $300


 

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