topic Re: Pre Approval from FNBO in Credit Card Applications

Pre Approval from FNBO

Anonymous — Sat, 24 Jan 2015 19:02:03 GMT

I got a pre approval last night in the mail from FNBO, dont know that much about this card.. Doesnt look like it has any frills or goodies to it. Anybody know anything about them?

Re: Pre Approval from FNBO

chalupaman — Sat, 24 Jan 2015 19:07:40 GMT

It'd be helpful if you gave more information on which one of their cards it is but I heard FNBO can be quite great with SP CLIs and such and you can get a free FICO too. They're one of the tougher lenders out there to get in with apparently.

Re: Pre Approval from FNBO

Anonymous — Sat, 24 Jan 2015 19:17:27 GMT

Not sure what, didnt pay much attention.. I will look it over again tonight..

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 18:29:37 GMT

Platinum Visa 0% for first 12 months no cash back or rewards.

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 18:52:48 GMT

@Anonymous wrote:
Platinum Visa 0% for first 12 months no cash back or rewards.

The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 20:16:46 GMT

@ArmyVietVet wrote:
@Anonymous wrote:
Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.

I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them.

Irony of it is, my EX is only 11pts lower than hers!

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 20:52:07 GMT

@Anonymous wrote:
@ArmyVietVet wrote:
@Anonymous wrote:
Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.
I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them.

Irony of it is, my EX is only 11pts lower than hers!

As you know, FNBO's pre-quals are very solid. Have two FNBO Cards with one NPSL. Great CLs. As to rewards ... FNBO is in their own yesterday world. Great customer service and they are generally located in either in Omaha Nebraska or Yankton South Dakota. Believe the FNBO AX is 15.9% NPSL no AF with a rewards structure of 1:1. As to the Platinum Visa don't believe there are any rewards but a better interest rate is available (this card could upgrade to something else - if they are still doing upgrades on their own initiative).

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 20:56:59 GMT

@ArmyVietVet wrote:
@Anonymous wrote:
@ArmyVietVet wrote:
@Anonymous wrote:
Platinum Visa 0% for first 12 months no cash back or rewards.
The card you are referring to is a straight credit card. Now one thing about FNBO is they will offer upgrades not listed anywhere that are much better cards. For instance, I started with a FNBO Bucks Back Visa (rewards were 1:1) and one year later it was upgraded to a Vision Visa Signature Card (cash not rewards) no AF. The rewards were 1:1 so that is typical for FNBO and of late starting Aprs at 15.99% (high) and they do not lower Aprs as a general rule. All this is food for thought. Yes, their CLIs are generally SP and that is the one benefit. At one time they had an FNBO no AF AX with 2% gas and groceries but that is gone. They also offer a Maximum Rewards Visa SIgnature which used to earn 1.5 for every $1 cash spent but that is now 1:1 at 15.9% or higher and rewards that are rewards.
I got an offer for the plat visa as well. Wife got offer for NPSL AMEX thru them.

Irony of it is, my EX is only 11pts lower than hers!
As you know, FNBO's pre-quals are very solid. Have two FNBO Cards with one NPSL. Great CLs. As to rewards ... FNBO is in their own yesterday world. Great customer service and they are generally located in either in Omaha Nebraska or Yankton South Dakota. Believe the FNBO AX is 15.9% NPSL no AF with a rewards structure of 1:1. As to the Platinum Visa don't believe there are any rewards but a better interest rate is available (this card could upgrade to something else - if they are still doing upgrades on their own initiative).

Solid as the pre-quals are, Both of us did go just a bit overboard with new accounts last year so we're firmly planted in the garden for the time being.

The offers just aren't enticing enough.

Re: Pre Approval from FNBO

Themanwhocan — Sun, 25 Jan 2015 21:18:07 GMT

FNBO has always pulled Equifax for me.

It looks like their co-branded cards still have good rewards, but the regular FNBO cards seem to have 1% or 1 point rewards at best.

I have the Savingstar.com card, and of course if you can get the New York Life Visa Signature that has 1.5 points per dollar. Does anyone else know of any FNBO cards with better than 1 point/percent rewards?

Re: Pre Approval from FNBO

B335is — Sun, 25 Jan 2015 21:19:59 GMT

FNBO is good to get in with. ArmyVietVet, makes good points. The best is SP CLI every 4-6 months. They just bumped mine $5k after 6 months. They also give free EX Fico.

Re: Pre Approval from FNBO

Anonymous — Sun, 25 Jan 2015 21:33:10 GMT

@B335is wrote:
FNBO is good to get in with. ArmyVietVet, makes good points. The best is SP CLI every 4-6 months. They just bumped mine $5k after 6 months. They also give free EX Fico.

Well....With that i'd be able to cancel the wife's MyFICO sub...Hmm.

I paid for a year in advance for mine so there's no advantage for me in it.

They may have an issue with 10+ INQ on her EX though.

Re: Pre Approval from FNBO

coffeegal — Sun, 25 Jan 2015 22:47:31 GMT

I just received an offer for their NPSL AMEX today. The only other piece of mail was one of my two new AMEX cards. II promptly shredded the letter, and can't remember all the benefits, but it wasn't anything super fancy. I'm staying put for now.

When it rains, it pours!

Re: Pre Approval from FNBO

MovinOnUp2014 — Mon, 26 Jan 2015 05:33:02 GMT

Interesting...I've seen several posts regarding FNBO..... My daughter received a pre approval letter as well and accepted the offer w/o me reviewing the terms... Anyway the card has no rewards and no AF (which is good). She received the card and its a nice looking platinum card w/an EMV chip "looking" emblem on the front...initial CL of 1.5k