Weird Random Offer in Mail

[Anonymous]

Why is it weird? Well, I am on the AmX blacklist FOREVER, it seems. When I randomly applied a few months ago just to check the waters, I was offered the secured card. (Gee, thanks. lol) Yesterday I received a solid offer from First National Bank of Omaha for their American Express card. Now, am I right that offers like this have nothing to do with AmX? 

Anyway, just weird, imho. Had to share just as a data point. Oh, and I keep getting emails for the offer of their secured card. What can I say?

I love this forum!

[pipeguy]

I have my own issues with AmEx and other than an old low limit original Optima card dated 1978, I've closed all my cards with them (well they closed a couple) and I'm all but blacklisted for new applications - which is fine with me. I have/had two AmEx network cards BBVA and Fidelity - thankfully the Fidelity card just morphed to Visa so that takes me to only one AmEx "network" card, a $20k CL BBVA (trhey seem to have their own issues although I've experienced none.) 

I have mixed feeling on having ANY AmEx card, even one on just their network, because I really really dislike AmEx, but if you want a "AmEx" the First National Bank of Omaha version is a network card which won't do a thing as far as getting off the official blacklist, but at least you'll have a good bank backing your card (conservative which comes with its own issues, but that's another subject).

edit = typos 

[Anonymous]

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@pipeguy wrote:

I have my own issues with AmEx and other than an old low limit original Optima card dated 1978, I've closed all my cards with them (well they closed a couple) and I'm all but blacklisted for new applications - which is fine with me. I have/had two AmEx network cards BBVA and Fidelity - thankfully the Fidelity card just morphed to Visa so that takes me one AmEx "network" card, a $20k CL BBVA (trhey seem to have their own issues although I've experienced no issues). 

I have mixed feeling on having ANY AmEx card, even one on just their network, because I really really dislike AmEx, but if you want a "AmEx" the First National Bank of Omaha version is a network card which won't do a thing as far as getting off the official blacklist, but at least you'll have a good bank backing your card (conservative which comes with its own issues, but that's another subject).

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Thanks for your response! I am not taking the offer because I am gardening until 2017 and already have a credit union card I am hoping to get. Just crazy stuff, sometimes.

[Anonymous]

Hi musiclover,

FNBO and other cards with the Amex logo (Macy's Amex, Dillard's Amex, Bloomingdale's Amex, BBVA Amex, etc). run on the Amex payment network but are not issued by Centurion Bank, which issues mainline American Express cards (i.e., BCP, BCE, Amex charge cards, SPG Amex, Amex Hilton, Amex Delta Gold, etc.) I know it can be confusing!

You are correct that the offer you received has nothing to do with American Express proper (i.e., Centurion Bank), except that the card runs on the Amex payment network.

It's a similar analogy to the True Value Discover card, which runs on the Discover payment network, but is not actually issued by Discover Bank.

The easiest way to tell the difference if you are ever confused is to look at the main American Express page for cards offered by Centurion Bank. If a card is not listed there, it's not issued by American Express (Centurion Bank).

Does your offer have a specific APR listed? FNBO is pretty conservative and at times difficult to get in with, so congratulations on catching their attention!

[Anonymous]

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@Anonymous wrote:

Hi musiclover,

FNBO and other cards with the Amex logo (Macy's Amex, Dillard's Amex, Bloomingdale's Amex, BBVA Amex, etc). run on the Amex payment network but are not issued by Centurion Bank, which issues mainline American Express cards (i.e., BCP, BCE, Amex charge cards, SPG Amex, Amex Hilton, Amex Delta Gold, etc.) I know it can be confusing!

You are correct that the offer you received has nothing to do with American Express proper (i.e., Centurion Bank), except that the card runs on the Amex payment network.

It's a similar analogy to the True Value Discover card, which runs on the Discover payment network, but is not actually issued by Discover Bank.

The easiest way to tell the difference if you are ever confused is to look at the main American Express page for cards offered by Centurion Bank. If a card is not listed there, it's not issued by American Express (Centurion Bank).

Does your offer have a specific APR listed? FNBO is pretty conservative and at times difficult to get in with, so congratulations on catching their attention!

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Not confused at all. Thanks.

[RonM21]

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@Anonymous wrote:

Hi musiclover,

FNBO and other cards with the Amex logo (Macy's Amex, Dillard's Amex, Bloomingdale's Amex, BBVA Amex, etc). run on the Amex payment network but are not issued by Centurion Bank, which issues mainline American Express cards (i.e., BCP, BCE, Amex charge cards, SPG Amex, Amex Hilton, Amex Delta Gold, etc.) I know it can be confusing!

You are correct that the offer you received has nothing to do with American Express proper (i.e., Centurion Bank), except that the card runs on the Amex payment network.

It's a similar analogy to the True Value Discover card, which runs on the Discover payment network, but is not actually issued by Discover Bank.

The easiest way to tell the difference if you are ever confused is to look at the main American Express page for cards offered by Centurion Bank. If a card is not listed there, it's not issued by American Express (Centurion Bank).

Does your offer have a specific APR listed? FNBO is pretty conservative and at times difficult to get in with, so congratulations on catching their attention!

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Great info here

[Anonymous]

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@RM21 wrote:

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@Anonymous wrote:

Hi musiclover,

FNBO and other cards with the Amex logo (Macy's Amex, Dillard's Amex, Bloomingdale's Amex, BBVA Amex, etc). run on the Amex payment network but are not issued by Centurion Bank, which issues mainline American Express cards (i.e., BCP, BCE, Amex charge cards, SPG Amex, Amex Hilton, Amex Delta Gold, etc.) I know it can be confusing!

You are correct that the offer you received has nothing to do with American Express proper (i.e., Centurion Bank), except that the card runs on the Amex payment network.

It's a similar analogy to the True Value Discover card, which runs on the Discover payment network, but is not actually issued by Discover Bank.

The easiest way to tell the difference if you are ever confused is to look at the main American Express page for cards offered by Centurion Bank. If a card is not listed there, it's not issued by American Express (Centurion Bank).

Does your offer have a specific APR listed? FNBO is pretty conservative and at times difficult to get in with, so congratulations on catching their attention!

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Great info here

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Yes, good stuff! The forum is a great place to be!