First National Bank Amex

[Anonymous]

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@My_Fako wrote:

Sounds like you had a much better offer than mine...

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The offer that I got is for a completely different card than the one you got. The one I received is not listed on their website.

[FinStar]

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@My_Fako wrote:

Anyone ever receive a pre approval in the mail from them? 

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

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Read the disclosures.

Note that FNBO can be quite conservative and no one here can guarantee or predic the SL you'll receive - if approved.  Most FNBO pre-approval offers are fairly solid provided nothing (or much) has changed on your CRs since they made the offer.  Otherwise, it may not yield an approval or an approval with different terms than the offer had provided.

[myjourney]

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@galahad15 wrote:

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs.  I have 3 of their cards, including the FNBO Amex, and am quite happy, with them 

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SP every 3-4 months 

[myjourney]

My FNBO experience 

Did a lot of research before applying in 2013 

What I found was:

Pre-approvals are solid offers of credit if a set APR is listed 

I've only seen one case of a pre-appoval not being approved and that person had been on an app spree after receiving the offer 

As long as your profile hasn't changed since they SP your CR's you stand a 98% approval IMHO

The Amex version has different rewards 

2/2% Gas groceries which I have 

1/1% everything 

1 with an AF 

BT checks vary about every 3 months 

0% for XXXXX months or Write yourself a check for vacation etc etc 

Also get a lot of BT for life checks APR 4.99%

If you are not within their footprint for some this is the only way in...which was my case

They give SP CLI's every 3-4 months via phone call 

The card can grow very very fast. Mine always jumped $3,500 each call

It grew so fast and large I haven't even asked for a CLI in 1 1/2 years 

That's my take on FNBO 

[JSS3]

Excellent post, myjourney!

[myjourney]

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@JSS3 wrote:
Excellent post, myjourney!

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Thank you 

[Anonymous]

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@My_Fako wrote:

Anyone ever receive a pre approval in the mail from them? 

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

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I received the pre-approval and I declined the offer.

[My_Fako]

I do really want a Amex in my wallet! Even knowing that it's not the actual. Amex,you know what I mean!

If anything my report has been better every day...for the past six months. I know it hasn't gotten worse since they check me out. 

[myjourney]

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@My_Fako wrote:

I do really want a Amex in my wallet! Even knowing that it's not the actual. Amex,you know what I mean!

If anything my report has been better every day...for the past six months. I know it hasn't gotten worse since they check me out. 

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It's just on Amex network 

Want a Amex go get a real one 

Don't settle if that's truly what you want IMHO

[Anonymous]

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@My_Fako wrote:

I do really want a Amex in my wallet! Even knowing that it's not the actual. Amex,you know what I mean!

If anything my report has been better every day...for the past six months. I know it hasn't gotten worse since they check me out. 

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I agree with myjourney on this. While this card has the amex logo, it is just on their network and not a true amex card. If you want an amex, get one. Don't just apply for this card because of the amex network.