I love FNBO! I received the AMEX pre-approval back in Feb. 2013. I wasnt sure about them because I had never heard of them and triple checked the mailing for any other hidden fees and researched online before I pulled the trigger. Took a few hours but I was able to check online and see that I was approved for the AMEX with a $5200 limit. I use this card everyday!! I have easily charged about 3300 already on this card as its my everyday purchase and gas card. I have already earned about $50 in cash back. I even used it to put $1000 down payment on my new car instead of using money in my savings. Its now at a $1,000 dollar balance. No APR fees until next year. I balance transfered a Cap 1 card last month and I may BT another one of my cards once I get this $1k balance down some. This company is great!!
Starting Score: 624
I've gotten "pre-approval" solicitations from them EVERY month for the last year or so. With all of the good things I've heard about them (and being a weekly Costco shopper) I finally pulled the trigger last night for their Amex card. Got the "thanks for applying...we'll let you know in 2-4 weeks" screen. Checked this morning...
APPROVED! $14,100 INITIAL LIMIT!
I'm gonna like this bank! 