There is no AF, it started at $19 but they took away the AF when they refunded my security deposit last November. It was basically a low limit high interest Visa card with no real incentive to use it. I was recently approved for a Citi DC with a $1,000 SL so that will be my "go to" card. Cap 1 just PC'd my unsecured starter Platimum to a Quicksilver with no AF. I was thinking at first I was approved for a regular QS but after reading and re-reading it appears they only added 1.5% cash back to my Platinum and the limit stays at $850. Not the best card, but if I'm going to use it once in awhile, 1.5% cash back is better than nothing.
Sadly, FNBO was my first card and Cap 1 was my second card. Cap 1 was one year old back in November. I don't really need another card right now, but at some point I would like a decent Visa card. I was pre-approved for a Chase Slate, but I went for the Citi DC, 2% cash back vs. 0% cash back...... The only thing is the Slate might grow where FNBO won't, I'll be lucky to get another $300 with a HP next year. High on my list is Chase Freedom with their 5% rotating catagory. Might as well get the 5% back on gas when you can as it's somthing I can't avoid buying. My parents have Wells Fargo so they really want me to apply for a Wells Fargo Visa. My only reason for considering FNBO is because I've used their starter card for 1 1/2 years now, so I have an existing relationship which I don't with Wells Fargo. I just figured FNBO would shoot me down as hard as it is to get a small CLI from them.
I can't find where FNBO pulled my credit and also I can't find where Citi pulled my credit. I received instant notifications as soon as both Walmart and Amazon pulled my credit for their store cards but nothing when I applied for Citi.
