FNBO (First National Bank of Omaha) has reportedly implemented a new "18-month rule" that could impact your credit card application strategy. Basically, if you've opened an FNBO card recently, you might have to wait a year and a half before being approved for another one. This is a bummer if you were planning to snag multiple FNBO cards in quick succession to maximize rewards or take advantage of different card benefits. The details are still a bit hazy. We don't know if this rule applies to ALL FNBO cards or just specific ones like the Amtrak card. We're also unsure if it's a blanket rule – meaning, if you get any FNBO card, does that block you from getting ANY other FNBO card for 18 months? Why should you care? Well, if you're eyeing an FNBO card (especially the Amtrak one for its perks and rewards), you'll want to factor this new rule into your plans. Waiting 18 months between applications could seriously slow down your rewards-earning potential. Keep an eye out for more confirmed data points and experiences from other cardholders to get a clearer picture of how this is playing out!