Very impressive black mailer invitation from FNBO

[FieryDance]

I am one of the lucky few as well!  

1% cash back

0% APR till October 2022

After that APR between 15.99 to 23.99%

No AF 

Wow! 😆 

[Anonymous]

Got the same mailer today, not sure if is worth trying. 

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@FieryDance wrote:

I am one of the lucky few as well!  

1% cash back

0% APR till October 2022

After that APR between 15.99 to 23.99%

No AF 

Wow! 😆 

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[SoCalGardener]

The "select few" club is growing!!

[Crowhelm]

Well, the Evergreen Rewards Visa Signature Card by FNBO is a pretty good card. 2% unlimited cash back and great CLs. Just got mine Monday night

[SouthJamaica]

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@SoCalGardener wrote:

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.

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I received the same thing. I would say it's a major lender's attempt to enter the sub-prime market, and borders on fraudulent.

[KJinNC]

Correct me if I'm wrong, but isn't this the bank that issued the late great Ducks Unlimited card?

I wanted that card very badly, and actually applied and was rejected for it the week before they ruined it. In retrospect, I'm glad.

I checked prequalification, and their tool says I can get an Evergreen card with a $15K CL and 18.24% interest rate. At one time, I would have jumped at it, but now, the only advantage I see (other than generally padding utilization) is that it gets me past Sync's $10K CL soft cap on the PPMC. But I doubt it's worth it to me since I do have PPMC already.

[Remedios]

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@SouthJamaica wrote:

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@SoCalGardener wrote:

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.

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I received the same thing. I would say it's a major lender's attempt to enter the sub-prime market, and borders on fraudulent.

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Lolwut??? 

[coldfusion]

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@SouthJamaica wrote:

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I received the same thing. I would say it's a major lender's attempt to enter the sub-prime market

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They already offer a secured card so I'd argue they had already targeted that segment.  

I remember they sent out a bunch of snail-mail preapprovals around Thanksgiving last year for their 1% card that used similar market-speak, there were threads here on MF discussing it.

[coldfusion]

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@KJinNC wrote:

Correct me if I'm wrong, but isn't this the bank that issued the late great Ducks Unlimited card?

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Yes.  The card is still open for new applications but as you alluded to, after its nerfing it's now Just Another 1.5% CB card.

[SoCalGardener]

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@Crowhelm wrote:

Well, the Evergreen Rewards Visa Signature Card by FNBO is a pretty good card. 2% unlimited cash back and great CLs. Just got mine Monday night

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Perhaps--but that's not the card in this particular mailer. Besides, my Amex Blue Cash Preferred pays 6% on my most-spent category, groceries. Can't beat that!