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FNBO CLD ****Master Thread****

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Jnbmom
Community Leader
Super Contributor

Re: Beware of FNBO

I had gotten a preapproval from them back in November 2020 accepted their offer got a 15K SL managed to get it up to 25K. I used it sparely but did put some spend on it . In Sept 2021 they just up and closed it on me no warning or anything I too got an alert that it was closed . I called them stated nothing they could do and to wait for letter . They closed for inquires which were not much higher then when I got the card .

EXP 778 TU790 EQ 752
Message 91 of 285
mfinsmi1
Established Contributor

Re: Beware of FNBO

this is just adding to list of things FNBO has been doing recently - slashing credit limits and now closing accounts smh - so glad i was out of their marketing area when i tried back in june 

Active Cards (Business & Personal):

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 12/3/22

Stats: : 5/6; 10/12; 14/24 --- AAoA 3 YRS, 6 MO --- INQ: EX-4/TU-5/EQ-1

Past Goal: 700 (Achieved 10/2022)
Current Goal: 740
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Message 92 of 285
tparks5961
Regular Contributor

Re: Beware of FNBO

It's understanable imo, 

 

If you take a look at how aggressive they were in giving out huge limits last year and into the beginning of this year.. They were kind of late to the party and realize with the current state of everything that's going on.. it's not smart and they have to cut back.

 

Pre-emptive moves on their part. Don't take it personal.  They're probably in a position where they have to start reducing their exposure.

Last Inquiry 5/15/2021 (5/3 Auto Loan & Ally Financial Auto loan, both approved $63,000.00 & $53,000.00).
Fico Score Progression: 10/1/2018 EQ 530 TU 535 EX 540 | 8/30/2021 EQ 764 TU 759 EX 754
In the garden till 5/15/2022
Message 93 of 285
Vuby22
New Contributor

Re: Beware of FNBO

Sorry this happened to you and I hope the letter from them explains it as it pertains to your situation, BUT..

 

All credit cards have the fine print that the issuer can close, adjust, etc your card/CL at anytime for any reason. We can't beware of them all.



Message 94 of 285
lgsmith08
Member

Re: Beware of FNBO

I totally understand that part and just letting those know what happens to me-especially for those who use their account as "padding".   

Message 95 of 285
lgsmith08
Member

Re: Beware of FNBO

Sorry this happened to you also!

Message 96 of 285
FireMedic1
Community Leader
Super Contributor

Re: Beware of FNBO

Sorry this happened. I looked around earlier today just for info before your thread was even started. No page at all from them will load. Guess I'm geo-fenced. And saw its happening alot now. Some with the same CL or more getting AA'ed.




Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 97 of 285
Hoben02
Frequent Contributor

Re: Beware of FNBO

Had it been longer then six months between your last usage of he card becuz I got a warning letter from them about no usage after six months

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival, frontier)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Message 98 of 285
M_Smart007
Legendary Contributor

Re: Beware of FNBO


@FireMedic1 wrote:

Sorry this happened. I looked around earlier today just for info before your thread was even started. No page at all from them will load. Guess I'm geo-fenced. And saw its happening alot now. Some with the same CL or more getting AA'ed.


@FireMedic1,

They recently introduced the geo-fencing for both personal and business.

 

 

 

 

Message 99 of 285
M_Smart007
Legendary Contributor

Re: Beware of FNBO


@lgsmith08 wrote:

I had my FNBO for a few years now with a $14,000 limit (starting limit).  I used the card a few times and always pif. Last Thursday I used the card to pay $1,500 on my Disney cruise and received an alert from Credit Karma that the account was closed on the same day. I am awaiting the letter they state is coming. The representative was rude and said " there is nothing I can do or say".  


@lgsmith08, Sorry for your closure.

Would it be possible to post your scores, new accounts,

how much you spent on the card over the  "I used the card a few times and always pif"

Aggregate and individual CC utilization?  clean profile?

Just scratching my head, trying to figure out why they closed your card?

Message 100 of 285
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