I am looking to do the same thing and was planning to call, but have not yet called.
AGR FNBO Credit Card discussion 2023 H2 -2024
- Thread starter pennyk
- Start date
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Dovecote
OBS Chief
My wife was unsuccessful in doing this scenario. She applied online a couple of months after canceling the fee card and was immediately approved for the no-fee card. She is also hoping to receive the 12k bonus points that is currently being offered.
I have been pleased with FNBO. They called me some months ago, to advise me of a charge for escort services in LA (I'm in Austin, and no it wasn't me). They had no choice but to replace the card. A bit of a pain to change my automatic payments, but it got done.
Fast forward 8 months. I'm in Toronto needing to access an ATM for Canadian currency for tips on the Canadian. ATM declined me. I realized I had not set up a PIN on the replacement card. The FNBO call gave me the option to create a PIN without having to be on hold. Voila! I am a happy customer.
Fast forward 8 months. I'm in Toronto needing to access an ATM for Canadian currency for tips on the Canadian. ATM declined me. I realized I had not set up a PIN on the replacement card. The FNBO call gave me the option to create a PIN without having to be on hold. Voila! I am a happy customer.
I had a somewhat similar experience last summer, where I was taken advantage of by a Facebook scammer (purporting to be a crochet hook company I trusted, and running a "giveaway"). Something seemed odd about the process to claim the "giveaway prize," so I checked my FNBO account the next morning, discovered the scammer was actually charging me big bucks for nutritional supplements, and called FNBO right away. They replaced my card, investigated the unauthorized transaction, and ultimately credited my account for the amount the scammer had attempted to charge to my FNBO account.
I received an email overnight stating that there was suspicious activity on my FNBO account and to call their automated number. I looked at my account online and there was a pending transction with a zero amount from a vendor I have used previously on a different credit card. I phoned the number on my card (not the number in the email) and spoke to a very nice agent. The agent stated it may be phishing and FNBO will cancel my card and send a new one. It just so happens that I have a balance because I recently purchased Amtrak tickets. (I only use the card for Amtrak and Brightline purchases). The balance will transfer to the new card. They could not tell me when I will receive the new card. I asked if they could substitute the "no fee" card for the preferred card. I was then transferred to another department and was told that because there are different terms on the cards, I could not substitute the preferred card for the no fee card. I would have to apply. I asked if I would have to cancel the fee card first and I was told no. I likely will cancel the fee card before applying for the no fee card.
I was pleased with the customer service I received.
I was pleased with the customer service I received.
Just had 2 interactions with FNBO Customer Service, both of which were very pleasant and professional.
I pay my Account each month on line after receiving a paper statement.( can't trust Snail Mail to deliver on time)
For some reason last month when I paid my account in full on the 2nd, ( payment due date is the 4th)the payment wasn't drafted until the 7th resulting in a Late Fee and Interest Charge being added to this months statement.
I called the number on my Card( I have the No Fee Card)and was promptly connected to an actual person quickly, who looked @ my account, told me the mistake was theirs and credited the Late Fee and Interest to my account!
Later that week I received an email and a paper notice via Snail Mail that the New Interest Rate on my Account was going up to 24%.( Variable based on the Prime Rate+)
I once again called and was assured by another pleasant agent that this was only for Unpaid Account Balances and Cash advances and that the policy of No interest on Paid in Full Balances continues.
I have twice been hacked and had unauthorized charges on my Card and the Fraud department was very helpful in sending me a New Card and in getting them removed and blocking the scammers involved!
I pay my Account each month on line after receiving a paper statement.( can't trust Snail Mail to deliver on time)
For some reason last month when I paid my account in full on the 2nd, ( payment due date is the 4th)the payment wasn't drafted until the 7th resulting in a Late Fee and Interest Charge being added to this months statement.
I called the number on my Card( I have the No Fee Card)and was promptly connected to an actual person quickly, who looked @ my account, told me the mistake was theirs and credited the Late Fee and Interest to my account!
Later that week I received an email and a paper notice via Snail Mail that the New Interest Rate on my Account was going up to 24%.( Variable based on the Prime Rate+)
I once again called and was assured by another pleasant agent that this was only for Unpaid Account Balances and Cash advances and that the policy of No interest on Paid in Full Balances continues.
I have twice been hacked and had unauthorized charges on my Card and the Fraud department was very helpful in sending me a New Card and in getting them removed and blocking the scammers involved!
I think in my state the APR is around 29%. I always pay in full but yikes that is some loan sharking there for those that can't pay in full each month. I received the USPS mail notice as well but I am pretty sure it is 28.45% or 29.45%.
I think it depends on your Credit Rating, ( perhaps State Law also applies?) Mine says 24.4%.
I got a 24.4% notice yesterday. My last statement (April 05) stated 18.24% for purchases.
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Ive been satisfied with the service from FNBO. The people at Omaha seem very nice and caring. That pretty much agrees with our experience with all the people when we visited a few years ago. The interest on all credit card balances is through the roof right now. We always pay promptly.
Dovecote
OBS Chief
Update - The first billing cycle concluded on my wife’s new “no fee” card. She spent over $1k and received the 12k bonus points. That was a nice surprise considering a year ago she received 30k bonus points with the “fee card”.
