I've never heard of FNBO, and only know anything about it now from having just perused these boards. I recently received a most impressive looking, black envelope, 0% intro offer for their Visa card. The letter starts with "You are invited to enjoy the prestige of cardmembership" and "Congratulations... only a select few are receiving this invitation."
The thing is...like I said, I've never even heard of FNBO! So I'm wondering just how presitigious this card is! I mean, I'm aware of the uber-prestigious black Amex Centurion card, but FNBO? Not so much!
It is not pre-approved. I have no intentions of applying for it because I'm content right now, and for the foreseeable future, gardening. But I'd like to get feedback/opinions/thoughts about FNBO, anything in general you may know or have heard. Just how prestigious is this card?! From skimming its mailing, it doesn't even appear to be a rewards card.
@Remedios wrote:I received one of those while back, very prestigious 1% cash back.
Mine doesn't even state that!
@FinStar wrote:As mentioned upthread, there's really nothing "prestigious" about the card invitation you received, other than the sleek printed envelope and marketing materials. I would also assume, if the card has no rewards of some sort, it probably has no AF either, correct?
Correct. I'm actually taking a closer look at the mailing now than I had before. Among other things it says "You're entitled to extraordinary buying power in the US and overseas" and that it has "exceptional travel privileges." The features it touts are not in any way better than what I already have on other cards, like emergency cash or roadside dispatch.
I think this falls in line with the "very prestigious" pre-approved loan offers I get constantly for up to $50,000 with an interest rate of only 68%. They arrive in the most ornate, almost classy-looking envelopes.....with packaging like that you'd be a fool to pass it up, right?
On Deck: No Plans Currently
@frugal47374 wrote:I'm one of the "select few" also. Got my letter today. No rewards listed. The only benefit I see is 0% on purchases for about 8 months. Not a very long time. Longer on 0% balance transfers, but I never am willing to pay a balance transfer fee.
So not the "exceptional interest savings" promised in the letter.
Hi there! *waves* Welcome to the FNBO "select few" club!! 
I don't recall how long my 0% offer was; I think it was longer than 8 months, but I'm really not sure. As stated in my OP, I did not apply for it. I just couldn't see the point! There was nothing about its supposed perks that were good enough to yank me out of the garden! 
@Taurus22 wrote:I think this falls in line with the "very prestigious" pre-approved loan offers I get constantly for up to $50,000 with an interest rate of only 68%. They arrive in the most ornate, almost classy-looking envelopes.....with packaging like that you'd be a fool to pass it up, right?
SIXTY-EIGHT percent?!!! Holy moly. I just can't imagine....