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FNBO Credit Card 2% Cash back for 12months Archived From: Finance

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alert mods    
   posted: Sep. 26, 2007 @ 11:40a

This is going to be a hit i guess
watch for the details


2% cash back card
thanks


   posted: Sep. 26, 2007 @ 11:40a

The ExtraEarningsSM Visa® Card rewards you for things you purchase every day. Earn 2% Cash Back for every dollar you spend for the first 12 billing cycles after your account is opened. This reward is directly deposited into your high performing FNBO Direct Online Savings Account! Features of our ExtraEarningsSM Visa® Card

7.99 APR* fixed on purchases and balance transfers.

- Earn Cash Back faster with 2% back for the first 12 billing cycles and 1% back after that directly deposited into your FNBO Direct Online Savings Account.
- Redeem your Cash Back by requesting a $25 deposit into your FNBO Direct account for every $2,500 in purchases on the card.†
- Online access to current and up to 7 years of past statements, free online credit card payments and electronic statements at www.fnbodirect.com.
- Protect yourself from unauthorized use of your card or account information with Visa's Zero Liability policy.

More info here: https://www.fnbodirect.com/01d/html/en/site/assets/documents/etemplate/extraearnings2.html

Message edited by: smahs on 2007-09-26 13:40:52 CDT
alert mods    
   posted: Sep. 26, 2007 @ 11:47a

"There is no limit to the total number of points that you can earn, but there may be limits on bonus points" (from the terms)

I wonder what that means. FNBO loves to be vague in their disclosures.


alert mods    
   posted: Sep. 26, 2007 @ 12:07p

So this is their "new" product which they promised? I was hoping for some high rate short term CD products (finding good ones may be a challenge at this point). With further rate cuts anticipated, I suppose the emphasis will be on increasing their loan business rather than giving savings customers better interest rates (except poor distressed banks). So I've shifted my emphasis too.

Hope this will be around after November. I first have some spending to kill with my new AMEX card and Delta bonus thresholds.


alert mods    
   posted: Sep. 26, 2007 @ 1:33p

I am Just Witing to kill the 75k point for the diamond rewards cad from citi and start using this after that will apply next week when i will imporve my score FICO


alert mods    
   posted: Sep. 26, 2007 @ 1:39p

Looks like you must have a savings account with them. How many plan on sticking with FNBO for the next year?


alert mods    
   posted: Sep. 26, 2007 @ 3:11p

Since the FNBO Savings account has no minimum and no fees, I don't see the harm of keeping a few dollars in the FNBO Savings account to get the 2% CashBack.


alert mods    
   posted: Sep. 26, 2007 @ 3:23p

In addition to the points described above, during the first 12 billing cycles after your account is opened you will earn 1 additional bonus point(s) for each $1.00 in Qualifying Credit Card Transactions you make. After the first 12 billing cycles after your account is opened, you will no longer earn such bonus points but you will earn regular points as described above. There is no limit to the total number of points that you can earn, but there may be limits on bonus points.


alert mods    
   posted: Sep. 26, 2007 @ 3:24p

Also FNBO is not an easy credit card issuer.

I haven't had problems getting CC from Chase, Discover, BofA, MBNA, FIA etc. but got turned down by them even with having large balance in FNBO (and showing it to them in appeal). The reason was # of inquiries in past 6 months (3) so YMMV.


alert mods    
   posted: Sep. 26, 2007 @ 3:51p

scott1961 said:Looks like you must have a savings account with them. How many plan on sticking with FNBO for the next year?I plan on keeping maybe $20 there, just so that it stays open.


alert mods    
   posted: Sep. 26, 2007 @ 4:06p

You only receive the 2% Cash Back for 12 months though, so that's a bummer.


alert mods    
   posted: Sep. 26, 2007 @ 4:15p

daregan said:scott1961 said:Looks like you must have a savings account with them. How many plan on sticking with FNBO for the next year?I plan on keeping maybe $20 there, just so that it stays open.

I transferred everything out a few months ago and they still haven't closed it.


alert mods    
   posted: Sep. 27, 2007 @ 1:57p

Anyone apply for this card and get approved. I applied but still pending.


alert mods    
   posted: Sep. 28, 2007 @ 12:54p

Declined. I guess my dozen or so inquiries and $256,000 in outstanding credit card balances spooked them. That's too bad, as I really would have liked to have a card from another issuer.


alert mods    
   posted: Sep. 28, 2007 @ 4:39p

approved


alert mods    
   posted: Sep. 28, 2007 @ 6:03p

Applied yesterday. Approved today. $15K limit.


alert mods    
   posted: Sep. 28, 2007 @ 6:14p

welookgoodcom said:Also FNBO is not an easy credit card issuer.

I haven't had problems getting CC from Chase, Discover, BofA, MBNA, FIA etc. but got turned down by them even with having large balance in FNBO (and showing it to them in appeal). The reason was # of inquiries in past 6 months (3) so YMMV.

yeah...and they have known to quickly close a card account after getting approved and seeing AOR like activity on your credit report...the adverse action thread has a bit on them...


alert mods    
   posted: Sep. 28, 2007 @ 6:21p

2%???? Forget about it. You can do much better with AMEX Blue Cash if you make substantial charges........


alert mods    
   posted: Sep. 28, 2007 @ 6:26p

LustfortheMoment said:2%???? Forget about it. You can do much better with AMEX Blue Cash if you make substantial charges........

What if you don't make "substantial" charges?


alert mods    
   posted: Sep. 28, 2007 @ 7:44p

czarandy said: What if you don't make "substantial" charges?

Then this card (or the Orchard version) can be a reasonable deal when coupled with a 5% EDP card.........


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