First National Bank Amex

[My_Fako]

Anyone ever receive a pre approval in the mail from them? 

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

[kdm31091]

It's not a "bad" card or lender, but it's really nothing special, unless they have revamped it. Last I heard it was just a 1% cash back card.

[Anonymous]

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@My_Fako wrote:

Anyone ever receive a pre approval in the mail from them? 

Is thier Amex bad like credit one?

didn't really have time to read the letter all I know is there is a $19 yearly fee

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I have gotten a few "special invitation" mailers, which I know is nothing special and just attempted marketing.

[My_Fako]

Anyone know if they give out decent limits?

[jbsea]

They are a good bank (I take it that you are talking about FNOB).  My DW just got a invitation from them also for the same card.  They did change it to 1.5%  Mine is 1% so I have not touched it in awhile.  They do, do a manual check on your credit.  They are US based customer service.  Just do a search on here of FNBO.  They are good.

[galahad15]

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs.  I have 3 of their cards, including the FNBO Amex, and am quite happy, with them 

[UncleB]

Other than Chase (pre 5/24), FNBO is actually the only issuer who has 'courted' me through the mail in over a decade.  The mailing I got was not pre-approved (it had an APR range) but it was similar to what you describe.  The card it was for was their Amex, and I believe the rewards were 1% cash back.  I'm sorry that I don't recall if there was an AF or not (it's been a couple of months).

As strange as it might sound to be happy about getting 'junk' mail, it actually felt good to be 'wanted' again!  

[Gmood1]

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@galahad15 wrote:

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs.  I have 3 of their cards, including the FNBO Amex, and am quite happy, with them 

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How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.

[FinStar]

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@Gmood1 wrote:

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@galahad15 wrote:

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs.  I have 3 of their cards, including the FNBO Amex, and am quite happy, with them 

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How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.

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You call them around/after your account has hit 6 months and have them check for any available (SP) CLI offers.  You'll be asked a couple questions and the system will see if the account is eligible.  If you are attempting to avoid HPs, do not submit the request online. 

[Gmood1]

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@FinStar wrote:

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@Gmood1 wrote:

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@galahad15 wrote:

One good thing about FNBO is that if you have credit cards with them, they have the option every 6 months of SP CLIs.  I have 3 of their cards, including the FNBO Amex, and am quite happy, with them 

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How did you go about getting your SP on the FNBO Amex Galahad? Mine is just hitting that 6 months mark. I noticed in the online account there's a CLI button. It states I have no accounts eligible for a CLI.

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You call them around/after your account has hit 6 months and have them check for any available (SP) CLI offers.  You'll be asked a couple questions and the system will see if the account is eligible.  If you are attempting to avoid HPs, do not submit the request online. 

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OK great! Thanks for the info Finstar. Yes...I'm trying to avoid another HP on my EX. I'll sit tight and call them after my statement closes later this month.