How is fnbo during the intro period?

[purebulldogs]

Got approved just waiting on the card now.

how are they during the 0% intro? If I use it and put a decent amount on it, will they balance chase if you make the minimum payment or close to it during the intro offer?  

Or are they the type bank to expect a lot more than the minimum even during 0% offers? 

I've never had them before

[AutisticPretzel]

I'm not an FNBO member myself, but from all of the research and information I've seen across various financial groups, they seem to have adopted the same habits as Commenity/Synchrony Bank lately - They are preemptively slashing people's credit limits, if not closing down cards altogether. I've seen people with $20K - $30K slashed to $500 overnight with no real rhyme or reason. It's like they realized they have been giving out too much credit and now want to reduce their exposure at any expense.

I'd highly recommend you ramp up spending over a few week/months and use the card modestly to at least prevent putting a spotlight on yourself and "giving them a reason".

[SouthJamaica]

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@purebulldogs wrote:

Got approved just waiting on the card now.

how are they during the 0% intro? If I use it and put a decent amount on it, will they balance chase if you make the minimum payment or close to it during the intro offer?  

Or are they the type bank to expect a lot more than the minimum even during 0% offers? 

I've never had them before

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I've seen reports of that, but I didn't have a problem when I opened my Evergreen Business card. I ran it up to 13000 of the 15000 credit limit, and kept it that way for around 10 months. Then during the last 2 months I paid it down to zero. Then I asked for a 5k CLI and they granted it. So they couldn't have been holding a grudge.

[M_Smart007]

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@purebulldogs wrote:

Got approved just waiting on the card now.

how are they during the 0% intro? If I use it and put a decent amount on it, will they balance chase if you make the minimum payment or close to it during the intro offer?  

Or are they the type bank to expect a lot more than the minimum even during 0% offers? 

I've never had them before

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@purebulldogs, Just use the card how you want to use it, disregard anything else.

They are NOT Synchrony Bank!

[increasingmyfico]

 I have had it since Dec. I did a balance transfer and have used it for Costco purchases. Started at $15k and they bumped to $18k after six months automatically. My only complaint is the reward redemption. It has to be a certain amount before you can cash in.