FNBO Reviews

Due to our out of county travels we needed an additional credit card due to Discover Not being accepted in many countries. We selected the FNBO Visa card. Had it for many months and paid our bill in full when due if not before. In December of 2024 we did not receive a bill so I contacted Customer Service. Although they did not speak nor understand English much at all, they did say my bill had been returned, not at fault, and stating it had been delivered to the WRONG address. They also stated all late fees would be waived if I paid my balance in full. They would resend my bill for this payment. Once I received it I did pay in full.

Absolutely worthless customer service and not transparent about any fees or any programs to help loyal customers pay down credit cards. Manipulate and prey on young people to get credit cards with insanely high APR. Hidden fees, and don’t care about you at all. Please please please take your hard earned money elsewhere, they do NOT deserve your business.

I was scammed by an account holder named Melanie ** from FNBO bank for a $7900. The scammer phished my email and provided FNBO bank details from a similar email domain and I went ahead to transfer funds to this scammer instead of the original beneficiary. Their support team did not bother listening to me or even tracing scammer's account. Their vetting is poor for account opening and accounts with this bank are mostly misused and compromised used for fraudulent activities and scams. And if told about such activities, they never bother tracing down the transactions or even the account which is openly carrying out such activities. Such a shame! Never open an account with them or even don't consider a transaction with anyone having an account with them. You never know if someone's scamming you.

I got this card not long ago and up until today had no problems with it until now. I cannot access my card account online. Called customer service. Took forever to get someone on the phone and I was told they are having problems with the website. Give it until tomorrow to get fixed. I also found out they had a data breach last month and did not inform me of that breach. Now I am really irrated. I called again and got told they were still working on it. Well that was several hrs ago and I still cannot access my account and I am more irked then ever now.

They do a hard pull for asking for a credit line increase. I've got 12 other cards. Not one does this. I like Sheels, but they might want to reconsider being in business with this bank. I'm sure I'm not the only one that's not happy about this.

I got an offer from them to apply for this card. With the Perks for a Bonus 10k MGM Rewards Points if I spend $1.5k in 90 days. So I applied in hopes of racking up my MGM Rewards Points. The 1st Month I got like 1,600 points. I paid off my balance before the due date. I called Customer Service to inquire about my Bonus Points, since I pretty much hit the goal in the first month 12-13-24. She told me that she can see that I'm scheduled to receive them in the next billing cycle. So up until Friday Morning 1-10-25, everything was good.

Worst card ever. The offer for this card was that you would get 20,000 Amtrak points if you spend 1000 dollars in 90 days. I never received my points because they don't count the 99 dollar fee they charge you to have the account. No one tells you that. A week before the end of the 90 days I called to see if I spent the 1000 dollars and the agent also counted the 99 dollars and told me yes. I never received the points and basically was told I only spent 941 dollars because they don't count the 99 they charged me. On top of all this the offer was if you were approved for the card you would get 100 dollars back on first purchase but I also never got that either. I was told by a supervisor she would Look into it and was rude. I've never had this happen at any other company. I have a stellar FICO score and I honestly would never recommend this card. Go with chase or Barclays. They are far better!

I logged into my account today and saw a $13,000 balance on my spend summary, which was alarming. After reviewing my transactions, I found nothing to support this charge. I contacted customer support, and after wasting 30 minutes and speaking with three representatives, none of them could see what I was seeing. Their online messaging system isn’t working, and they have no way for me to share my screen or send a screenshot for clarification. This is unacceptable, especially for a credit card company that charges annual fees but can’t get account balances right. In short, I’m done with this company and strongly recommend others avoid using their services.

I set up my payment option for the first time, I copied and paste. Somehow it the payment bounced and I was told enter the wrong information. After that application and website stopped working would not let me make payments online or an app. Took a month of calling just to get it fixed. No problem since, until today. When my payment method was deleted from my account and they said I tried to use a closed account to make my payment. The customer support refuse to listen to me and done deal with this. I do not recommend their credit cards out there better rewards and cheaper places to shop.

A friend of my son stole and used my card. FNBO made me pay for it. Pathetic company. They even admitted it was wrong but after fighting with them for months I just lost the will to fight and paid it.