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Very impressive black mailer invitation from FNBO

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FieryDance
Frequent Contributor

Re: Very impressive black mailer invitation from FNBO

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! 😆 

 

C4DF66FF-F960-45C6-9A3B-500FD6F08383.jpeg

Message 11 of 35
Anonymous
Not applicable

Re: Very impressive black mailer invitation from FNBO

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


@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! 😆 

 

C4DF66FF-F960-45C6-9A3B-500FD6F08383.jpeg


Message 12 of 35
SoCalGardener
Valued Contributor

Re: Very impressive black mailer invitation from FNBO

The "select few" club is growing!! Smiley Very Happy

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardBank of America Customized Cash VisaCapitalOne Quicksilver MastercardCapitalOne Quicksilver VisaCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards VisaSynchrony Home Card
Message 13 of 35
Crowhelm
Established Contributor

Re: Very impressive black mailer invitation from FNBO

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







Message 14 of 35
SouthJamaica
Mega Contributor

Re: Very impressive black mailer invitation from FNBO


@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.


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.

 

 

 

 


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 15 of 35
KJinNC
Valued Contributor

Re: Very impressive black mailer invitation from FNBO

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.



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 16 of 35
Remedios
Credit Mentor

Re: Very impressive black mailer invitation from FNBO


@SouthJamaica wrote:

@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.


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.

 

 

 

 


Lolwut??? 

 

 

Message 17 of 35
coldfusion
Community Leader
Mega Contributor

Re: Very impressive black mailer invitation from FNBO


@SouthJamaica wrote:


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

 


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.

 

 

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 18 of 35
coldfusion
Community Leader
Mega Contributor

Re: Very impressive black mailer invitation from FNBO


@KJinNC wrote:

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


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.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 19 of 35
SoCalGardener
Valued Contributor

Re: Very impressive black mailer invitation from FNBO


@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


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! Smiley Happy

Amazon Prime Store CardAmerican Express Blue Cash Preferred CardAmerican Express Everyday CardBank of America Customized Cash VisaCapitalOne Quicksilver MastercardCapitalOne Quicksilver VisaCapitalOne Walmart Rewards MastercardChevron Texaco CardCiti Double Cash MastercardDiscover More CardJCPenney Gold MastercardOverstock.com CardSportsmans Guide Rewards VisaSynchrony Home Card
Message 20 of 35
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