FNBO?

[CYBERSAM]

I have FNBO 2% CC. They are great bank to deal with, received SP CLIs over the phone and they have reduced my APR couple of times now.

They offer very good BT deals and I never had any issue that they wouldn't resolve. Also did a product change through back door numbers.

I don't think they enforce Geofence either, given I live in MA.

[Doodlebug30]

@CYBERSAM Im in RI and they sent me a mailer but if input the zip code they say they dont offer service in my area. Honestly i wasnt looking for a cc anyway and the offer they sent is "meh" but i was just curious

[wasCB14]

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@coldfusion wrote:

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@Doodlebug30 wrote:

@ldkcivilservant what's their geofence? What states don't they service?

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It's more efficient to list the states that they do service:

https://www.fnbo.com/branch-locations/states/

I know that several years ago if you were outside their service area and applied for a core card using your correct address but without an ITA they would HP you and only then deny you for being outside of their service area.    I hope someone can chime in and report that they've addressed that. 

They do, or at least they did within the last year, offer an online banking program if you lived outside their geofence but membership didn't get you access to their core cards. 

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CA here, got mailer outside geofence but didn't apply.

[coldfusion]

Mild surprise,  I got a mailer from them today for the 'FNBO Visa Card'.   Has opt-out language referencing a prescreened offer of credit but also quoted an APR range, not a fixed figure.  This is the first time I ever got a mailer from them that I can recall.

Sounds like their Platinum Edition Visa but with a nerfed 0% APR window and post-APR range shifted 0.75% upward from the public offer. 

Also, the attached pseudo-card and the image on the physical application form are blue,  not green.  

Thanks but I don't think so, I don't need a BT card.