09-24-2012 07:01 PM
No annual fee, 2% cash back on gas and groceries, and 1% on everything else. The pre approval came in a fancy black envelope and made a point of stating that this card is available by invitation only and blah blah. Anyone else get this? I'm not applying because I just got my Discover and I've opened enough new accounts this year. I'm planning on going car shopping at the end of this year or beginning of next and don't want any more INQs.
09-24-2012 07:10 PM
I've gotten that invite too.
I didn't go for it because I already have a card from FNBO and I have enough cash back cards, and the FNBO Amex rewars aren't anything special. I like my plain jane FNBO Platinum Edition Visa, with high CL, low APR, and no rewards.
09-24-2012 07:21 PM
I agree. The rewards were just kind of "mehh" to me too. I already have my BCE that beats those categories anyways. I just thought it was funny how they say you're pre approved and make a big deal out of it being "invite only" like they didn't just send out thousands of the same letters.
09-25-2012 08:45 AM
I received the same pre-approval offer yesterday, and I promptly threw it in the trash...not enticing enough to lure me out ot the garden.
09-25-2012 08:48 AM
I received the same "exclusive" offer. I don't need it, as I already have a good cash rewards card in my line up. And after adding four new cards last month, I'm in no mood to wack away any further on my AAoA. No, at this point, I'm firmly planted in the garden.
09-25-2012 04:15 PM
Received the same offer along with the Discover. Nothing special about it, but then again, it might fit someone's spending/shopping habits with the 2% for gas and groceries. I believe that's all the time, and 1% elsewhere. Already have the Bucksback Visa, so far no problems with FNBO.
09-25-2012 04:21 PM
Interesting. My fnbo Amex offer came with a 9.9% apr for life. yeah, the rewards were nothing special, but I thought the apr was the pitch. Honestly, if it had been a visa instead of Amex, I would have bit. Too many of the places where I might need to carry a balance don't take Amex.
10-09-2012 02:43 PM
10-09-2012 03:52 PM
They pull EX. Every application gets manually reviewed so don't be surprised when you get a 7-10 day message.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.