topic Re: FNBO 30 day of non use notice really? in Credit Cards

FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 15:52:57 GMT

So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:

Re: FNBO 30 day of non use notice really?

odd_dog — Tue, 23 Jul 2024 16:04:19 GMT

@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:

Does it mention a CLD or termination date? This just sounds like marketing OH USE THE CARD (we need the swipe fee) to me, but in my old age I am alot mellower.....LOL. I hope that is not a shut down notice......

Re: FNBO 30 day of non use notice really?

MissLiz — Tue, 23 Jul 2024 16:06:10 GMT

FNBO is riding the passive aggressive train.

Re: FNBO 30 day of non use notice really?

Dancingbear45 — Tue, 23 Jul 2024 16:10:11 GMT

@odd_dog

Wow that is surprising. Maybe because it's a new account? Did you set up automatic payments? If so I'd use it for a small purchase each month. Or considering setting up a recurring charge on it. That way it stays active and it's ready for use when you are ready.

Re: FNBO 30 day of non use notice really?

odd_dog — Tue, 23 Jul 2024 16:13:23 GMT

@Dancingbear45 wrote:
@odd_dog
Wow that is surprising. Maybe because it's a new account? Did you set up automatic payments? If so I'd use it for a small purchase each month. Or considering setting up a recurring charge on it. That way it stays active and it's ready for use when you are ready.

pretty sure you meant this for Credit C...... But sound advice.....

Re: FNBO 30 day of non use notice really?

Drifter73 — Tue, 23 Jul 2024 16:13:58 GMT

They refuse to give CLIs on x2 cards for me, no matter how I structure and time the requests. Even zero balances didn't help. I think I've had 6 HPs in the last 2 years trying to get CLIs with no success with FNBO cards.

I've sock drawered my FNBO cards with 1 subscription and auto pay on each at this point and moved daily/monthly spend to other cards that have approved CLI requests when needed.

Re: FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 16:22:05 GMT

@odd_dog wrote:
@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:
Does it mention a CLD or termination date? This just sounds like marketing OH USE THE CARD (we need the swipe fee) to me, but in my old age I am alot mellower.....LOL. I hope that is not a shut down notice......

no firm dates but just never seen a 30 day one before from anyone. certainly could be marketing but a threat none the less or a nudge or else this could possibly happen

Re: FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 16:25:46 GMT

Honestly card isnt worth it if they want 1 swipe a month to keep them happy as usually do that anyways with gas just happened to be Citi Custom cash and PNC at 5%/4% respectively this month on gas category. Don't really want to lose the 5% sporting good for big ticket items such as firearms or ammo etc and other things. I can do an amazon reload for $5 as trivial but still just weird to me is all and this is to the extreme. Still would have plenty of credit if dumped this 25k CL.

Re: FNBO 30 day of non use notice really?

GZG — Tue, 23 Jul 2024 17:08:28 GMT

I thought most people here found FNBO to leave a bad taste in their mouth, I would dump them just based on everything I've read, but no reason to give up a good CB earning category card

Re: FNBO 30 day of non use notice really?

NoMoreE46 — Tue, 23 Jul 2024 17:20:49 GMT

Hello $1.00 reload for Amazon Gift Card 😀.

Re: FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 17:21:57 GMT

@NoMoreE46 wrote:
Hello $1.00 reload for Amazon Gift Card 😀.

Ya thought was $5 now but easy enough as spend tons on amazon regardless still irks me is all as others mentioned was a passive agressive move on their part which doesn't sit well is all.

Re: FNBO 30 day of non use notice really?

NoMoreE46 — Tue, 23 Jul 2024 17:28:56 GMT

@CreditCuriosity wrote:
@NoMoreE46 wrote:
Hello $1.00 reload for Amazon Gift Card 😀.

Ya thought was $5 now but easy enough as spend tons on amazon regardless still irks me is all as others mentioned was a passive agressive move on their part which doesn't sit well is all.

Do them a solid and run five transactions at a Buck per.

Re: FNBO 30 day of non use notice really?

SouthJamaica — Tue, 23 Jul 2024 18:58:59 GMT

@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:

It's not necessarily saying you need to use it once a month every month. It could be read that way, but it might just mean you need to make some use of it within this month to keep the card active. Maybe once every 3 months or 6 months would do the trick.

Re: FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 19:42:25 GMT

@SouthJamaica wrote:
@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:
It's not necessarily saying you need to use it once a month every month. It could be read that way, but it might just mean you need to make some use of it within this month to keep the card active. Maybe once every 3 months or 6 months would do the trick.

last used 5/31.. Still weird on 30 day of non-use wonder if this will become a norm for others on their FNBO cards as well so i was beyond 30 days but letter was written as 30 days. I have received one in past and was either a 90 day one i believe like a year ago. Obviously i prefer to keep card open and will charge 5 on amazon in next few days then next tank of gas will be on it.

Re: FNBO 30 day of non use notice really?

IsambardPrince — Tue, 23 Jul 2024 20:46:56 GMT

@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:

FNBO cards are easy to get and they usually come with massive credit lines, but they have a bad habit of lowering those credit lines if you're not a heavy spender. Sometimes $9,000-18,000 limits can become $500-1000 without ANY warning, and sometimes they just close the card over ridiculous reasons.

They're way too unreliable to be worth a hard credit pull no matter what they say they're offering in my opinion.

YouTube influencers pitch them including that guy that's always giving bad, possibly illegal, advice, on how to get huge credit line increases from Capital One you probably don't actually need. But consider why they may pitch cards. Someone is paying them.

For most people who can't get a respectable limit from AmEx, or God help you Capital One who gave me a $22,500 limit a couple years after losing $30,000 on me in a bk7, realize that you're not getting huge limits because the banks don't like something they're seeing about you, and fix that before you go looking for these weird banks that people on YouTube are pitching.

Realize that going around and opening credit cards up willy nilly with subprime and weird banks can backfire, especially if you never close the account.

By the time AmEx would start considering your applications, they might be scared to see all those untouched accounts with lots of credit limits.

Re: FNBO 30 day of non use notice really?

CreditCuriosity — Tue, 23 Jul 2024 21:04:36 GMT

@IsambardPrince wrote:
@CreditCuriosity wrote:
So just got this on my FNBO ducks unlimited card.. After 30 days of non-use.. This is new and extreme to me.. Thoughts? I thought about cancelling it although has 25k CL and 5% back on gas and sporting goods. Annoying if they are really wanting use in 30 days?!? A bit nuts imho for many reasons aka vacations etc. Doubt they will cut it in next 15 days or whatever but for even warning is crazy to me.

You might not have noticed, but you have not used your Ducks Unlimited Visa® in the past 30 days. It only takes one purchase to keep your card active and continue to enjoy these great benefits:
FNBO cards are easy to get and they usually come with massive credit lines, but they have a bad habit of lowering those credit lines if you're not a heavy spender. Sometimes $9,000-18,000 limits can become $500-1000 without ANY warning, and sometimes they just close the card over ridiculous reasons.

They're way too unreliable to be worth a hard credit pull no matter what they say they're offering in my opinion.

YouTube influencers pitch them including that guy that's always giving bad, possibly illegal, advice, on how to get huge credit line increases from Capital One you probably don't actually need. But consider why they may pitch cards. Someone is paying them.

For most people who can't get a respectable limit from AmEx, or God help you Capital One who gave me a $22,500 limit a couple years after losing $30,000 on me in a bk7, realize that you're not getting huge limits because the banks don't like something they're seeing about you, and fix that before you go looking for these weird banks that people on YouTube are pitching.

Realize that going around and opening credit cards up willy nilly with subprime and weird banks can backfire, especially if you never close the account.

By the time AmEx would start considering your applications, they might be scared to see all those untouched accounts with lots of credit limits.

Have had this FNBO for quite some some time. So not sure what you are talking about with FNBO and various other lenders being bad as I pick my lenders for reward structures and not to pad my ultization as at any given point i might have $500 reporting on near 800k in credit. I have tons of credit from all kinds of lenders and have been in the game for quite some time. Most of those "youtube influencers" take information from this forum and other forums and people like me or others as DP's and then put their spin and say they "hacked it" on it and monetize off information that is shared on this forum freely. With that said much bad information is given on youtube videos basically telling you to lie or just flat out incorrect information overall. 25k CL is a drop in the bucket for my profile. I was just pointing out a weird thing with this lender as have had this card what 6-7 years now? Good card and arguable the best card for 5% gas and 5% sporting goods which is no longer offered in current rewards form and must be grand fathered in as I am.

Re: FNBO 30 day of non use notice really?

NoMoreDebt — Wed, 24 Jul 2024 00:12:57 GMT

The Jeep card i have from them went unused for over a year. I got a few of those emails and actually was hoping they would just close the card and save me the hassle but they never did. At about month 13 I relented and put some spend on it.

Re: FNBO 30 day of non use notice really?

gdale6 — Wed, 24 Jul 2024 01:20:55 GMT

I got notice on their evergreen after i paid off a long term low interest BT, same thing, i did terminate the card for interst rate boost... 12 yrs old too.

Re: FNBO 30 day of non use notice really?

Guyatthebeach — Wed, 24 Jul 2024 01:44:56 GMT

I got a similar email today for my 2x card. It didn't mention anything about a CLD or anything negative.

I did log in today and I have not used it since May. I will pull it out of the safe and use it once.

Guyatthebeach

Re: FNBO 30 day of non use notice really?

Janneman — Wed, 24 Jul 2024 08:40:25 GMT

@NoMoreE46 wrote:
Hello $1.00 reload for Amazon Gift Card 😀.

I have 3 FNBO cards which have been opened for many years...I now receive the same notification that OP gets for all those 3 cards about notifying to me that I have not used those cards for 30 days and risking to lose those cards....So, I reload $1.00 on Amazon Gift card...So far so good...