topic Re: First Nation Bank American Express? in Credit Cards

First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 19:45:00 GMT

Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?

Re: First Nation Bank American Express?

creditguy — Sat, 16 Jan 2016 19:50:00 GMT

It's simply a marketing tool they send out to a list of people who meet general criteria, which was probably when your scores were higher. I wouldn't waste a HP to find out until you get your scores back to the previous ranges you had.

Re: First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 19:52:52 GMT

Yea, I figured. Oh well...straight to the trash then!

Re: First Nation Bank American Express?

Gmood1 — Sat, 16 Jan 2016 19:55:14 GMT

@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?

I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.

They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!

Re: First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 20:01:10 GMT

@Gmood1 wrote:
@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?
I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.
They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!

Why app for it if the rewards aren't stellar? No reason to consider a card at all just because you receive a marketing "invitation to apply" type offer. Look for the cards you actually want that are potentially in your range.

Re: First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 20:07:10 GMT

@Anonymous wrote:
@Gmood1 wrote:
@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?
I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.
They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!
Why app for it if the rewards aren't stellar? No reason to consider a card at all just because you receive a marketing "invitation to apply" type offer. Look for the cards you actually want that are potentially in your range.

Perhaps you missed my point where I said I been wanting an Amex card for a while. That is why I asked. It's my first prescreened offer for an Amex card.

Re: First Nation Bank American Express?

Gmood1 — Sat, 16 Jan 2016 20:12:18 GMT

@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:
@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?
I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.
They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!
Why app for it if the rewards aren't stellar? No reason to consider a card at all just because you receive a marketing "invitation to apply" type offer. Look for the cards you actually want that are potentially in your range.
Perhaps you missed my point where I said I been wanting an Amex card for a while. That is why I asked. It's my first prescreened offer for an Amex card.

No I didn't miss it, the card will still be there when your scores recover. If they are as low as you state. I wouldn't chance it. They do pull EX by the way.

So if your EX report is good. Then spin the wheel.

Re: First Nation Bank American Express?

OmarGB9 — Sat, 16 Jan 2016 20:12:49 GMT

When you say you want an Amex card, do you mean just a card that runs on the Amex network? Or an actual card from Amex (issued by Centurion bank)?

Re: First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 20:27:56 GMT

@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:
@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?
I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.
They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!
Why app for it if the rewards aren't stellar? No reason to consider a card at all just because you receive a marketing "invitation to apply" type offer. Look for the cards you actually want that are potentially in your range.
Perhaps you missed my point where I said I been wanting an Amex card for a while. That is why I asked. It's my first prescreened offer for an Amex card.

Do you want an AMEX or just a card that works on AMEX's network? Because cards issued by other banks just run on AMEX's network and don't necessarily have the perks and services that one comes to expect from Centurion Bank / American Express Bank.

Edited to add: If you just want a card that runs on AMEX's network, there are secured cards that do that (one issued by FNBO cobranded with SavingStar, one by USAA just off the top of my head). So they aren't necessarily that hard to come by if you're just comparing them to cards issued by Centurion Bank.

Re: First Nation Bank American Express?

lg8302ch — Sat, 16 Jan 2016 20:19:56 GMT

Why not work on your scores and then get a "real" Amex from Centurion bank ?

Re: First Nation Bank American Express?

Anonymous — Sat, 16 Jan 2016 20:22:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Gmood1 wrote:
@Anonymous wrote:
Has anyone applied or recieved an invitation for a First National Bank American Express card? I recieved a "By invitation only" prescreened offer in the mail today and it came in a fancy black envelope. I'm a little confused as my credit utilization has been really high since December (Christmas shopping ) and my credit has dipped to the high 500's low 600's from high 600's low 700's. I don't know if this prescreened offer was screened before December or they are simply trolling me. Anyways....I been wanting an Amex card for a while but have been waiting to bring down my utilization. My credit cards so far are a Capital One Platinum $500 CL, Citi Bank Preferred $3,200 CL, Citi Double Cash $1,000 CL, and a Discover IT Chrome $1,200. I'm a little skeptical of the offer.....thoughts?
I received one of these last year. I went to their site and applied. I was approved after they manually reviewed my app. The card's rewards aren't stellar. They may have soft pulled you before your scores tanked.
They seem very conservative, so I wouldn't poke the bear if I were you. After your scores recover..go for it!
Why app for it if the rewards aren't stellar? No reason to consider a card at all just because you receive a marketing "invitation to apply" type offer. Look for the cards you actually want that are potentially in your range.
Perhaps you missed my point where I said I been wanting an Amex card for a while. That is why I asked. It's my first prescreened offer for an Amex card.

No, I didn't miss it . Still applies. If you mean ANY Amex, not just from Centurion Bank, there are quite a few, and you should STILL pick based on which one suits you best rather than just focus on the first prescreened (which means approx nothing anyway!) that comes along.

(And I don't know the value of an non-Centurion Amex network card these days, with Costco going and Serve being shut down for many!)

Re: First Nation Bank American Express?

itguy_65 — Sat, 16 Jan 2016 20:31:15 GMT

My experience with FNBO: I have one of the FNBO 3.25% VISAs, with $89 annual fee, which I opened in late 2014. I ended up moving a loan at a much higher interest rate to this card, and have been paying on it each month. They started me with a generous credit line (14K), and I have gotten auto CLIs every 5 statement cuts, like clockwork, and my CL has just about doubled in a little over a year (25K).

Re: First Nation Bank American Express?

Runitup — Sat, 16 Jan 2016 21:47:25 GMT

Just got the 3.25% offer but the fee is $99 and the BT fee is 5%. Very ambivalent about this card.