topic Re: First National Bank Amex in Credit Cards

First National Bank Amex

My_Fako — Sat, 05 Mar 2016 19:59:11 GMT

Anyone ever receive a pre approval in the mail from them?

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

Re: First National Bank Amex

kdm31091 — Sat, 05 Mar 2016 20:06:16 GMT

It's not a "bad" card or lender, but it's really nothing special, unless they have revamped it. Last I heard it was just a 1% cash back card.

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 20:09:51 GMT

@My_Fako wrote:
Anyone ever receive a pre approval in the mail from them?

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

I have gotten a few "special invitation" mailers, which I know is nothing special and just attempted marketing.

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 21:16:04 GMT

Anyone know if they give out decent limits?

Re: First National Bank Amex

jbsea — Sat, 05 Mar 2016 21:42:52 GMT

They are a good bank (I take it that you are talking about FNOB). My DW just got a invitation from them also for the same card. They did change it to 1.5% Mine is 1% so I have not touched it in awhile. They do, do a manual check on your credit. They are US based customer service. Just do a search on here of FNBO. They are good.

Re: First National Bank Amex

galahad15 — Sat, 05 Mar 2016 22:25:33 GMT

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs. I have 3 of their cards, including the FNBO Amex, and am quite happy, with them

Re: First National Bank Amex

UncleB — Sat, 05 Mar 2016 22:35:55 GMT

Other than Chase (pre 5/24), FNBO is actually the only issuer who has 'courted' me through the mail in over a decade. The mailing I got was not pre-approved (it had an APR range) but it was similar to what you describe. The card it was for was their Amex, and I believe the rewards were 1% cash back. I'm sorry that I don't recall if there was an AF or not (it's been a couple of months).

As strange as it might sound to be happy about getting 'junk' mail, it actually felt good to be 'wanted' again!

Re: First National Bank Amex

Gmood1 — Sat, 05 Mar 2016 23:14:15 GMT

@galahad15 wrote:
One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs. I have 3 of their cards, including the FNBO Amex, and am quite happy, with them

How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.

Re: First National Bank Amex

FinStar — Sat, 05 Mar 2016 23:18:05 GMT

@Gmood1 wrote:
@galahad15 wrote:
One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs. I have 3 of their cards, including the FNBO Amex, and am quite happy, with them
How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.

You call them around/after your account has hit 6 months and have them check for any available (SP) CLI offers. You'll be asked a couple questions and the system will see if the account is eligible. If you are attempting to avoid HPs, do not submit the request online.

Re: First National Bank Amex

Gmood1 — Sat, 05 Mar 2016 23:24:06 GMT

@FinStar wrote:
@Gmood1 wrote:
@galahad15 wrote:
One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs. I have 3 of their cards, including the FNBO Amex, and am quite happy, with them
How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.
You call them around/after your account has hit 6 months and have them check for any available (SP) CLI offers. You'll be asked a couple questions and the system will see if the account is eligible. If you are attempting to avoid HPs, do not submit the request online.

OK great! Thanks for the info Finstar. Yes...I'm trying to avoid another HP on my EX. I'll sit tight and call them after my statement closes later this month.

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 23:31:04 GMT

@My_Fako wrote:
Anyone know if they give out decent limits?

It depends on a few factors. How many inq's are within the last 12 months, how many new accounts in the last 12 months, etc... When I was approved for mine, and I have the graphite amex, not the one listed on their site, I received a $4k starting line. The approval was instant. See below for details from approval:

Experian Pulled - 745 score

Inq's - 7 in the last 12 months

New Accounts - 5 in the last 12 months

11% utl at the time it was pulled

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 23:32:16 GMT

Mine offer is 0% to Oct. Then 19% apr.

This sound like marketing or a pre-approval?

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 23:35:49 GMT

@My_Fako wrote:
Mine offer is 0% to Oct. Then 19% apr.

This sound like marketing or a pre-approval?

Which version of the card does the letter state? There are 2 versions.

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 23:36:44 GMT

Experian 661 score
Inq's - 0 n the last 18 months
New Accounts - 4 in the last 12 months
util 1%

3 old med ca's

1 over 2yr ca

approved or denied

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 23:38:02 GMT

Just shows a blue Amex. Don't know

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 23:39:11 GMT

Its hard to say just from that detail. If I had to guess........ I am going to lean more to geting approved.

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 23:41:32 GMT

@My_Fako wrote:
Just shows a blue Amex. Don't know

Look at my signature and see the card there. The card listed on their website is a lighter grey color card and then the one I have which is more like a charcoal colored card. The one I have, when I got the pre-approved letter, was with the apr being at 3.something%. I can't remember off the top of my head exactly what the apr was, but it was around 3.8% or so.

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 23:43:23 GMT

Experian is one of my worst reports, I don't understand My Eq is cleaner then ex but my score is higher...Ex is my nemesis.

Re: First National Bank Amex

My_Fako — Sat, 05 Mar 2016 23:44:59 GMT

Sounds like you had a much better offer than mine...

Re: First National Bank Amex

Anonymous — Sat, 05 Mar 2016 23:46:25 GMT

@My_Fako wrote:
Mine offer is 0% to Oct. Then 19% apr.

This sound like marketing or a pre-approval?

I took a look at the one of their site and am going to assume that the letter you received is in regards to that one. Based on the details you gave and teh apr they offered, it seems to be a good offer, well I guess that depends on what you consider good. The apr they stated is closer to their bottom apr on that card then it is to the top. I would say that if it is a card that you feel fits your needs, then go ahead and apply.