FNBO Mailer Odds?

[Anonymous]

Got one in the mail, range is 12.99-19.99. 1% everywhere and 0% on purchases and BTs for 15 months. BT fee 3%. How solid are their invites? I'm not very interested, but would be nice knowing that I'd have a BT option if I need one. Are PC's possible down the road? Think I'd read somewhere that FNBO is invite only till you get in, is this still the case?

[FinStar]

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@Anonymous wrote:

Got one in the mail, range is 12.99-19.99. 1% everywhere and 0% on purchases and BTs for 15 months. BT fee 3%. How solid are their invites? I'm not very interested, but would be nice knowing that I'd have a BT option if I need one. Are PC's possible down the road? No, FNBO does not PC.  Think I'd read somewhere that FNBO is invite only till you get in, is this still the case?  There are plenty of non-core, FNBO co-branded CCs that do not require any invitation.  Typically, if you're outside their lending area, invites are the only way to go as far as their core CCs.

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Invites are 50/50 depending on your overall profile.  The stronger your profile the better the odds.   Some individuals have received successful [invite] approvals recently, but again, YEMV.

[gingerflower]

@Anonymous 

Being you received an invite to apply I say it is a solid approval. Not sure of PC'S . Yes, normally its only on invitation you can apply for their Cc's. Good luck if you do decide to apply. Keep us posted.  

[Wavester64]

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@Anonymous wrote:

Got one in the mail, range is 12.99-19.99. 1% everywhere and 0% on purchases and BTs for 15 months. BT fee 3%. How solid are their invites? I'm not very interested, but would be nice knowing that I'd have a BT option if I need one. Are PC's possible down the road? Think I'd read somewhere that FNBO is invite only till you get in, is this still the case?

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I just got this one today too.

Nice to finally get a mailer, but the 1% CB kills it for me.

[coldfusion]

Invites for this card overide the FNBO georestriction, so an interesting data point would be whether or not a subsequent approval allows the cardholder to bypass georestrictions on other products.