Just got a mailer for a FNBO amex .....

[Anonymous]

I Obviously aren't trying to apply for anything at all especially with this recent discovery of fraud in my name but is that a good thing amex from FNBO the mailer makes it sound like if it was a black amex ... Does that mean good credit or "we know u can't be approved for a real amex so here's this "amex" " 

[SGR]

I got the mailing too. The card isn't offered on their site -- it's an all black amex. It comes with a 0% intro for eight months, and a possible 11.99% - 19.99% APR. The rewards seem pretty substandard (1% everything) but I hear they give out great starting CL's and SP CLI's every four months. Many people say FNBO apps always require a manual review but the mailing claims an instant decision will be made. Anyhow, I don't think I'll apply but it could be a decent card for carrying a balance (assuming one gets the lowest APR).

[takeshi74]

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@Anonymous wrote:

Does that mean good credit or "we know u can't be approved for a real amex so here's this "amex" " 

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As always, mailers are just marketing.  It just means "we want to make money off of you".  If you want to assess your credit then review your reports.

[chalupaman]

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@Anonymous wrote:

I Obviously aren't trying to apply for anything at all especially with this recent discovery of fraud in my name but is that a good thing amex from FNBO the mailer makes it sound like if it was a black amex ... Does that mean good credit or "we know u can't be approved for a real amex so here's this "amex" " 

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I dont usually rely on prequals. They're not always a guarantee of approval in the first place. It's marketing a lot of the time.

[longtimelurker]

I get one of these a week.  As said above, the rewards are substandard and amusingly written (approx You deserve great rewards, 1% ALL the time on every purchase)

Some here like it for the potential CL  (I don't want larger limits on a useless card) or the free EX FICO.