topic Re: New FNBO Limited-Time Offer Card? in Credit Cards

New FNBO Limited-Time Offer Card?

daybreakgonesXe — Fri, 03 Apr 2015 21:37:30 GMT

Anyone else see this on their homepage? I apologize if this has been posted before, didn't see it in any recent threads...

https://www.firstnational.com/common/shared/amex/amex_march_landing.html?ecid=150204OMACRD0073PTMMS1NAA

Low APR at 6.25%, 1.5% on every purchase, and no annual fee. Need to apply before May 31st.

Never seen such a "limited time offer" card before. Silly thing doesn't even have a name!

Probably good for those people who don't have the patience for the Fidelty AMEX or the Citi DoubleCash. Hard to beat that rate with valuable rewards from a new app, either!

Re: New FNBO Limited-Time Offer Card?

B335is — Fri, 03 Apr 2015 21:53:01 GMT

I don't have it on mine. It just asks me to update my I for for quarterly account review.

Re: New FNBO Limited-Time Offer Card?

Sharingan — Fri, 03 Apr 2015 21:59:40 GMT

@daybreakgonesXe wrote:
Anyone else see this on their homepage? I apologize if this has been posted before, didn't see it in any recent threads...

https://www.firstnational.com/common/shared/amex/amex_march_landing.html?ecid=150204OMACRD0073PTMMS1NAA

Low APR at 6.25%, 1.5% on every purchase, and no annual fee. Need to apply before May 31st.

Never seen such a "limited time offer" card before. Silly thing doesn't even have a name!

Probably good for those people who don't have the patience for the Fidelty AMEX or the Citi DoubleCash. Hard to beat that rate with valuable rewards from a new app, either!

Enticing card, but I can't help but wonder how sustainable a card like this is. I wish they'd send me preapprovals for this, rather than their other lackluster offerings.

Re: New FNBO Limited-Time Offer Card?

gdale6 — Fri, 03 Apr 2015 22:37:07 GMT

Yup, I have the offer, am not going to go for it already have their Amex, may call and see if I can convert.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Fri, 03 Apr 2015 22:39:49 GMT

I don't think i'd have a shot at this even IF my EX was unfrozen.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Fri, 03 Apr 2015 22:40:00 GMT

3% FTF, and the rewards expire after three years.

Doesn't look like any crazy drawbacks buried in the fine print.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Fri, 03 Apr 2015 22:47:40 GMT

Is this an instant approval? I applied and was told 2-4 weeks for an answer.

Re: New FNBO Limited-Time Offer Card?

AverageJoe1970 — Fri, 03 Apr 2015 22:49:56 GMT

I've had a 1st National Bank AMEX for 4 or 5 years. Excellent customer service. Highly recommended.

Re: New FNBO Limited-Time Offer Card?

gdale6 — Fri, 03 Apr 2015 22:58:28 GMT

@Anonymous wrote:
Is this an instant approval? I applied and was told 2-4 weeks for an answer.

Standard faire with them humans review 99.9% of apps, you should get an email within a few days if you are approved.

Re: New FNBO Limited-Time Offer Card?

wacdenney — Sat, 04 Apr 2015 00:06:45 GMT

I'll never waste another HP on FNBO.

Re: New FNBO Limited-Time Offer Card?

plastic_man — Sat, 04 Apr 2015 00:19:52 GMT

I wonder if they can convert my current Amex to this.
Is that 6.25% apr for life???

Re: New FNBO Limited-Time Offer Card?

Anonymous — Sat, 04 Apr 2015 00:20:40 GMT

@wacdenney wrote:
I'll never waste another HP on FNBO.

1.75% isn't enough to pull me out of the garden for this.

Not that they'd give me it.

Re: New FNBO Limited-Time Offer Card?

plastic_man — Sat, 04 Apr 2015 00:56:03 GMT

Just applied, if approved, will move credit line from old fnbo Amex to this if possible and close the old one..I'll keep you posted!!

Re: New FNBO Limited-Time Offer Card?

jsucool76 — Sat, 04 Apr 2015 03:03:01 GMT

@plastic_man wrote:
I wonder if they can convert my current Amex to this.
Is that 6.25% apr for life???

I dont think they're legally allowed to change your APR within the first 12 months, but (in big giant bold print in the T&C) it specifies that they can change the rate at any time for any reason. All T&Cs have this (unless it's a fixed rate card) but they put it in giant bold print. #Suspicious.

Re: New FNBO Limited-Time Offer Card?

leoment — Sat, 04 Apr 2015 12:39:49 GMT

This offer is seriously tempting! My lowest APR is 9.24, but I'd LOVE that 6.25%, just in case. I'll bookmark this app and see how I feel in another 8 weeks (aka May 30th, lol).

The only thing stopping me from doing it is I already have a 2.2% card already, so I wouldn't really get much use out of the card.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Sat, 04 Apr 2015 12:42:49 GMT

If the wife hadnt just gotten approved for the BBR, I'd be pestering her to app this. FNBO has been blowing up our mailbox with flyers mainly with her name on them. Lol.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Sat, 04 Apr 2015 14:33:29 GMT

I feel that Amex is partnering with everyone these days and is about to be desparate for customers. Ugly times ahead for them.

Re: New FNBO Limited-Time Offer Card?

Anonymous — Sat, 04 Apr 2015 14:44:58 GMT

I really don't wanna unfreeze her EX for this. She is game to app for it though.

Re: New FNBO Limited-Time Offer Card?

plastic_man — Sat, 04 Apr 2015 15:44:10 GMT

Just received an email from them, takes 10-14 days to process app.

Re: New FNBO Limited-Time Offer Card?

Creditaddict — Sat, 04 Apr 2015 15:50:44 GMT

@jsucool76 wrote:
@plastic_man wrote:
I wonder if they can convert my current Amex to this.
Is that 6.25% apr for life???
I dont think they're legally allowed to change your APR within the first 12 months, but (in big giant bold print in the T&C) it specifies that they can change the rate at any time for any reason. All T&Cs have this (unless it's a fixed rate card) but they put it in giant bold print. #Suspicious.

this is a variable rate card so it will adjust with the prime rate. but yes they shoudln't be able to change the multiplier they are charging above prime that they set in the beginning.