topic Re: Business Visa from FNBO in Business Credit

Business Visa from FNBO

linux007969 — Thu, 07 Jan 2016 23:02:53 GMT

So yesterday I got a mail offer at my business address for a Business Credit Card through my bank ENB, and it was for the Absolute Rewards Visa Business Card Serviced by FNBO.........

I decided what the heck and went online and put in my exclusive codes for the app and finished up the application and submitted it......... then i got a notice that said it will take 10 to 14 days for them to review.

A few moments ago i called the backdoor 800 444 6220 and got a nice rep who i asked to check the status of my business application and she did....... her computer was a bit slow, but then she said I was Approved for $9,500!!!!!

WOW!!! I'm in with FNBO!!!!

Strange thing was the application that i had to fill out never asked me for busines rvenue...... it asked for personal income....... maybe since they have a relationship with my bank that could be why?

I don't even know yet who they pulled....... i imagine they did do a credit pull though....... it must have been eq or ex cuz tu got a ton of inquarries.

Re: Business Visa from FNBO

csryang — Fri, 08 Jan 2016 01:03:50 GMT

@linux007969 wrote:
So yesterday I got a mail offer at my business address for a Business Credit Card through my bank ENB, and it was for the Absolute Rewards Visa Business Card Serviced by FNBO.........

I decided what the heck and went online and put in my exclusive codes for the app and finished up the application and submitted it......... then i got a notice that said it will take 10 to 14 days for them to review.

A few moments ago i called the backdoor 800 444 6220 and got a nice rep who i asked to check the status of my business application and she did....... her computer was a bit slow, but then she said I was Approved for $9,500!!!!!

WOW!!! I'm in with FNBO!!!!

Strange thing was the application that i had to fill out never asked me for busines rvenue...... it asked for personal income....... maybe since they have a relationship with my bank that could be why?

I don't even know yet who they pulled....... i imagine they did do a credit pull though....... it must have been eq or ex cuz tu got a ton of inquarries.

What's ENB? Do you have to banking with FNBO to qualify for this card? Your exclusive code offer any goodies?

Did the back door analyst grill you for anything?

It seems like a good card. Points expire in 3 years though... Do you know how much is 100 points worth? Any minimal redeem value?

Can you share your credit profile... what's your score and amout of new account or inquiry for the past 6month/1 year?

Re: Business Visa from FNBO

linux007969 — Fri, 08 Jan 2016 01:55:45 GMT

@csryang wrote:
@linux007969 wrote:
So yesterday I got a mail offer at my business address for a Business Credit Card through my bank ENB, and it was for the Absolute Rewards Visa Business Card Serviced by FNBO.........

I decided what the heck and went online and put in my exclusive codes for the app and finished up the application and submitted it......... then i got a notice that said it will take 10 to 14 days for them to review.

A few moments ago i called the backdoor 800 444 6220 and got a nice rep who i asked to check the status of my business application and she did....... her computer was a bit slow, but then she said I was Approved for $9,500!!!!!

WOW!!! I'm in with FNBO!!!!

Strange thing was the application that i had to fill out never asked me for busines rvenue...... it asked for personal income....... maybe since they have a relationship with my bank that could be why?

I don't even know yet who they pulled....... i imagine they did do a credit pull though....... it must have been eq or ex cuz tu got a ton of inquarries.
What's ENB? Do you have to banking with FNBO to qualify for this card? Your exclusive code offer any goodies?
Did the back door analyst grill you for anything?

It seems like a good card. Points expire in 3 years though... Do you know how much is 100 points worth? Any minimal redeem value?
Can you share your credit profile... what's your score and amout of new account or inquiry for the past 6month/1 year?

Well that's alot of questions..........

I would rather not say what ENB stands for becasue i don't wish to give up my location because of other things before i've said in the past, someone would be able to put things together and find out where exactly i am..... sorry....... you could google and see what comes up though.

I don't have any relationships with FNBO..........

Exclusive offer is for 0% for 6 months theres also some spend bouns about spending $5000 in 3 months and getting 10,000 bonus points.

I don't really know about the points how much thy are really worth or about redeeming them.

My credit profile is in my sig........... My score is hovering around 709 to 719............... i have a ton of inquarries on TU some are newish......... i opened 4 accounts in the last 6 months and more than 5 in the last 2 years.

Does this help?

Re: Business Visa from FNBO

Anonymous — Fri, 08 Jan 2016 11:11:13 GMT

Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...

Re: Business Visa from FNBO

linux007969 — Sun, 10 Jan 2016 19:46:53 GMT

*** Update ***

I recieved an approval email.

I also check my Discover ID Theft Protection and First Bankcard pulled Equifax which would be why they approved me as no one ever really pulls Equifax for me.

Re: Business Visa from FNBO

CreditUnionFan — Sun, 10 Jan 2016 23:35:12 GMT

@linux007969 wrote:
*** Update ***

I recieved an approval email.

I also check my Discover ID Theft Protection and First Bankcard pulled Equifax which would be why they approved me as no one ever really pulls Equifax for me.

You may want to check Experian to confirm. I've seen FNBO pull both Experian and Equifax when I've taken the time to get denied.

They may have only SP'd the other bureau, in which case you may not see it unless you request a consumer disclosure because SP's are shown only to the consumer.

To those wondering about this offer, several regional banks and credit union partner with FNBO or First Bankcard for their credit cards, rather than offer their own and have to have the full underwriting and servicing capabilities.

Congrats OP!

Re: Business Visa from FNBO

Anonymous — Mon, 11 Jan 2016 00:10:38 GMT

@Anonymous wrote:
Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...

Does anyone know...?

Re: Business Visa from FNBO

CreditUnionFan — Mon, 11 Jan 2016 00:29:03 GMT

@Anonymous wrote:
@Anonymous wrote:
Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...
Does anyone know...?

I don't know, unfortunately. FNBO/First Bankcard doesn't like how I hang out with other card issuers, so I only have one of their cards as an AU.

Re: Business Visa from FNBO

myjourney — Mon, 11 Jan 2016 00:41:38 GMT

@Anonymous wrote:
@Anonymous wrote:
Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...
Does anyone know...?

Since you know YMMV term now Lol

To see full T/C go to.....https://www.mybusinessbankcard.com/OnlineApp/apply.do?pageName=learn&promoCode=107467&bankUrl=RETAIL

EARN POINTS

Business Expense Purchases:

5 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.

Gas Purchases or Dining Purchases:

2 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.

Net Purchases:

1 point for each $1.00 of Net Purchases posted to your Account that is not from a Business Purchase, Gas Purchase, or Dining Purchase.

Re: Business Visa from FNBO

Anonymous — Mon, 11 Jan 2016 01:03:27 GMT

@myjourney wrote:
@Anonymous wrote:
@Anonymous wrote:
Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...
Does anyone know...?
Since you know YMMV term now Lol
To see full T/C go to.....https://www.mybusinessbankcard.com/OnlineApp/apply.do?pageName=learn&promoCode=107467&bankUrl=RETAIL
EARN POINTS
Business Expense Purchases:
5 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.
Gas Purchases or Dining Purchases:
2 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.
Net Purchases:
1 point for each $1.00 of Net Purchases posted to your Account that is not from a Business Purchase, Gas Purchase, or Dining Purchase.

Yeah I saw that already.

I don't get what they meant by "business expenses"

Can't anything be qualified as that?!

Re: Business Visa from FNBO

myjourney — Mon, 11 Jan 2016 01:17:06 GMT

@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:
@Anonymous wrote:
Can you explain the rewards structure of the card? It says 5x points on business expenses.

What the heck does that mean? Lol...
Does anyone know...?
Since you know YMMV term now Lol
To see full T/C go to.....https://www.mybusinessbankcard.com/OnlineApp/apply.do?pageName=learn&promoCode=107467&bankUrl=RETAIL
EARN POINTS
Business Expense Purchases:
5 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.
Gas Purchases or Dining Purchases:
2 points for each $1.00 posted to the Account for the first $25,000.00 or less during each Qualification Period; and
1 point for each $1.00 posted to the Account totaling $25,000.01 or greater during each Qualification Period.
Net Purchases:
1 point for each $1.00 of Net Purchases posted to your Account that is not from a Business Purchase, Gas Purchase, or Dining Purchase.

Yeah I saw that already.

I don't get what they meant by "business expenses"

Can't anything be qualified as that?!

I researched this card before and the 5% cats exceed Ink card ....

5% are:

"Business Expense Purchases" are Net Purchases made at any merchant whose merchant category code ("MCC") is classified by the payment card industry as "Telecommunication Equipment and Telephone Sales" (MCC 4812), "Telecommunication services" (MCC 4814), "Computer Network/Information Services" (MCC 4816), "Cable and other pay television" (MCC 4899), "Electric, Gas, Sanitary and Water Utilities" (MCC 4900), "Photographic, Photocopy, Microfilm Equipment and Supplies" (MCC 5044), "Computer and Computer Peripheral Equipment and Software" (MCC 5045), "Commercial Equipment (Not Elsewhere Classified)" (MCC 5046), "Office and Commercial Furniture" (MCC 5021), "Stationery, Office Supplies, Printing, and Writing Paper" (MCC 5111), "Stationery Stores, Office and School Supply Stores" (MCC 5943), "Advertising Services" (MCC 7311), "Computer Maintenance and Repair Services, Not Elsewhere Classified" (MCC 7379), or "Management, Consulting, and Public Relations Services" (MCC 7392).

Re: Business Visa from FNBO

myjourney — Mon, 11 Jan 2016 01:20:23 GMT

My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down

Re: Business Visa from FNBO

Anonymous — Mon, 11 Jan 2016 01:36:20 GMT

@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down

Omg that actually looks pretty good. Can I have a link to where those cats are?

I'm wondering why this card isn't popular.

Re: Business Visa from FNBO

myjourney — Mon, 11 Jan 2016 01:39:37 GMT

@Anonymous wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Omg that actually looks pretty good. Can I have a link to where those cats are?

I'm wondering why this card isn't popular.

You just lost your brownie points for 2nd link request I posted it above ...Lol

.https://www.mybusinessbankcard.com/OnlineApp/apply.do?pageName=learn&promoCode=107467&bankUrl=RETAIL

Re: Business Visa from FNBO

Anonymous — Mon, 11 Jan 2016 01:42:57 GMT

@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Omg that actually looks pretty good. Can I have a link to where those cats are?

I'm wondering why this card isn't popular.
You just lost your brownie points for 2nd link request I posted it above ...Lol
.https://www.mybusinessbankcard.com/OnlineApp/apply.do?pageName=learn&promoCode=107467&bankUrl=RETAIL

Jesus. I'm sorry.....I thought I read through all of that and didn't see the details. Sorry & and thanks for responding lol.

Re: Business Visa from FNBO

csryang — Mon, 11 Jan 2016 02:55:30 GMT

@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down

Yeah it's a great card. Google search a bit there's a maximum rewards catalog - not sure how up to date that is:

https://www.firstnational.com/common/shared/creditcards/vsc_rr/vsc_rr.pdf

It's at least 1: 1 - 1.25 depending on ticket price for airline redemption or 1: 0.7 - 1.2 for statement credit depending on how much you redeem each time.

I cannot find the details on "absolute reward point" value... hopefully they are similar?. Maybe OP can share with us its point value.

It's somewhat better than Ink Cash because it has broader business category - including utility and many others.

However, no sign-up bonus, points expire in 3 years, and they cannot be transferred to airline miles so it's not like UR point = 1.5-2+ cents

It might be on my app list as it's the best? FNBO credit card. as it's the best? FNBO credit card.

Re: Business Visa from FNBO

CreditUnionFan — Mon, 11 Jan 2016 02:54:24 GMT

@csryang wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Yeah it's a great card. Google search a bit there's a maximum rewards catalog - not sure how up to date that is:
https://www.firstnational.com/common/shared/creditcards/vsc_rr/vsc_rr.pdf
It's at least 1: 1 - 1.25 depending on ticket price for airline redemption or 1: 0.7 - 1.2 for statement credit depending on how much you redeem each time.

I cannot find the details on "absolute reward point" value... hopefully they are similar?. Maybe OP can share with us its point value.
It's somewhat better than Ink Cash because it has broader business category - including utility and many others.
However, no sign-up bonus, points expire in 3 years, and they cannot be transferred to airline miles so it's not like UR point = 1.5-2+ cents

It might be on my app list as it's the best? FNBO credit card.

On the surface, this appears to be a phenomenal card that you just have to find your local regional bank to apply through.

Thankfully I've found two local banks that appear to offer the FNBO card. I have to wait for a few inquiries to drop off, some new accounts to age a bit, but I definitely have this business card on my radar for this year.

Re: Business Visa from FNBO

csryang — Mon, 11 Jan 2016 02:57:41 GMT

@CreditUnionFan wrote:
@csryang wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Yeah it's a great card. Google search a bit there's a maximum rewards catalog - not sure how up to date that is:
https://www.firstnational.com/common/shared/creditcards/vsc_rr/vsc_rr.pdf
It's at least 1: 1 - 1.25 depending on ticket price for airline redemption or 1: 0.7 - 1.2 for statement credit depending on how much you redeem each time.

I cannot find the details on "absolute reward point" value... hopefully they are similar?. Maybe OP can share with us its point value.
It's somewhat better than Ink Cash because it has broader business category - including utility and many others.
However, no sign-up bonus, points expire in 3 years, and they cannot be transferred to airline miles so it's not like UR point = 1.5-2+ cents

It might be on my app list as it's the best? FNBO credit card.
On the surface, this appears to be a phenomenal card that you just have to find your local regional bank to apply through.

Thankfully I've found two local banks that appear to offer the FNBO card. I have to wait for a few inquiries to drop off, some new accounts to age a bit, but I definitely have this business card on my radar for this year.

Why not applying it online?

Re: Business Visa from FNBO

CreditUnionFan — Mon, 11 Jan 2016 03:23:55 GMT

@csryang wrote:
@CreditUnionFan wrote:
@csryang wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Yeah it's a great card. Google search a bit there's a maximum rewards catalog - not sure how up to date that is:
https://www.firstnational.com/common/shared/creditcards/vsc_rr/vsc_rr.pdf
It's at least 1: 1 - 1.25 depending on ticket price for airline redemption or 1: 0.7 - 1.2 for statement credit depending on how much you redeem each time.

I cannot find the details on "absolute reward point" value... hopefully they are similar?. Maybe OP can share with us its point value.
It's somewhat better than Ink Cash because it has broader business category - including utility and many others.
However, no sign-up bonus, points expire in 3 years, and they cannot be transferred to airline miles so it's not like UR point = 1.5-2+ cents

It might be on my app list as it's the best? FNBO credit card.
On the surface, this appears to be a phenomenal card that you just have to find your local regional bank to apply through.

Thankfully I've found two local banks that appear to offer the FNBO card. I have to wait for a few inquiries to drop off, some new accounts to age a bit, but I definitely have this business card on my radar for this year.
Why not applying it online?

Depends on the local bank. New York Community Bank, for instance, directs customers to visit their local branch to apply, and doesn't show the application.

FNBO does not like how I flirt and hang around with other lenders. I need to let those inquiries and new accounts to settle before going back to FNBO.

Re: Business Visa from FNBO

myjourney — Mon, 11 Jan 2016 03:27:47 GMT

@csryang wrote:
@myjourney wrote:
My problem was at time of research is the value of the points tho....Couldn't put an exact $ amount on it.....TBC= To Be Continued at some point I'll narrow it down
Yeah it's a great card. Google search a bit there's a maximum rewards catalog - not sure how up to date that is:
https://www.firstnational.com/common/shared/creditcards/vsc_rr/vsc_rr.pdf
It's at least 1: 1 - 1.25 depending on ticket price for airline redemption or 1: 0.7 - 1.2 for statement credit depending on how much you redeem each time.

I cannot find the details on "absolute reward point" value... hopefully they are similar?. Maybe OP can share with us its point value.
It's somewhat better than Ink Cash because it has broader business category - including utility and many others.
However, no sign-up bonus, points expire in 3 years, and they cannot be transferred to airline miles so it's not like UR point = 1.5-2+ cents

It might be on my app list as it's the best? FNBO credit card. as it's the best? FNBO credit card.

What had me hesitant was on the absolute card doesn't clearly say 1:1 redemption what it states is call number on back of card for plan admin...

This is the first person I've seen with the card here....