FNBO?

[krmurrayjr10]

USPS Informed Delivery shows a mailer landing in my mailbox today that appears to be from FNBO. I'm trying to read some of the wording from inside the envelope and it looks like an invitation to apply for a (new?) cash back VISA card.

I've never received a mailer from them before and have never had an account with them.

While I won't know the details until I get home this evening, I was wondering what others' recent experiences with FNBO have been - for example, is this a legit preapproval, what does their approval process look like, etc.

I'll probably pass on this, as I'm not big on cash back and prefer investing CC rewards in hotel/airline redemptions, and I already use Amex and Citi (Prestige and AA Exec) cards heavily. But, I'm still curious..,

[K-in-Boston]

If it's the card that I have received offers for, it's a straight 2% card like Citi Double Cash.  Until you open it and see the APR listed, no way to really tell if it is just marketing or an actual prequalification.

My only FNBO experience is the China Airlines Gold card I got in March, which is a separate division of FNBO that handles cobranded cards. I have had no complaints, other than the "use it or we're going to close it" letter I recently received after only three $0 statements. 😂  Application was easy (with the additional step of needing to enter my Dynasty Flyer number before being able to apply) and the decision was instant.

[followgreatness]

I got the same mailer in the mail and just opened. Seems legitimate but nothing too exciting for me. I did not even know what the acronym meant art first so I had to google it, lol.

I'm in New York. The paperwork only has a listed APR range and it is indeed a pre-approval.

[wasCB14]

I got some sort of mailer ad from them yesterday. APR range only.

It advertised "prestige" "power" and "privilege"...but no mention of any rewards program.

[SouthJamaica]

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@wasCB14 wrote:

I got some sort of mailer ad from them yesterday. APR range only.

It advertised "prestige" "power" and "privilege"...but no mention of any rewards program.

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Yeah I got that one too. A lot of "prestige" in getting a 1% rewards card

[krmurrayjr10]

So, I got home and opened the envelope. The mailer is for a basic Visa, but with a fixed APR of 3.25%.

I'll pass on this one and save my inquiries for the big boys. But, I could see this being useful for someone wanting to transfer a balance off another card or who anticipates a big purchase and wants to pay it off at a low rate.

Did any of you bite?

[Anonymous]

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@krmurrayjr10 wrote:

So, I got home and opened the envelope. The mailer is for a basic Visa, but with a fixed APR of 3.25%.

I'll pass on this one and save my inquiries for the big boys. But, I could see this being useful for someone wanting to transfer a balance off another card or who anticipates a big purchase and wants to pay it off at a low rate.

Did any of you bite?

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Can you clarify if that is a BT offer?  If not, I suspect there would be a tidal wave of applicants.

[AverageJoesCredit]

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@Anonymous wrote:

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@krmurrayjr10 wrote:

So, I got home and opened the envelope. The mailer is for a basic Visa, but with a fixed APR of 3.25%.

I'll pass on this one and save my inquiries for the big boys. But, I could see this being useful for someone wanting to transfer a balance off another card or who anticipates a big purchase and wants to pay it off at a low rate.

Did any of you bite?

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Can you clarify if that is a BT offer?  If not, I suspect there would be a tidal wave of applicants.

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Lol, if that card had a fixed 3% apr, that would be the lowest ive ever seen and that alone would be worth an app

[cahoot2005]

I got a mailer from FNBO today for a visa rewards card.  Just one point per dollar across the board.  No need for it so I won't app, but interested to see people's data points if they do...

It did have 0% on purchases and BT until statement closing in January 2022.  3% fee for BT until Jan 22, 5% thereafter.  Anyone know how they are on credit limits?  It could be a decent card if their limits are decent and you are in need of a BT.

[Anonymous]

I can say there on time with CLIs.