FNBO Reviews

I have very good credit with high limits. I got the FNBO card to take advantage of 5.99% financing for balance transfers with no time limit. I transferred $9k and I make my payments. They reduce my available credit every 3-4 months now because I am utilizing my initial offer and haven’t paid my entire balance. I don’t use this card for any purchases and have only utilized it for the balance transfer intro APR. This company is absolutely terrible and I would not recommend it to my enemies. Every time they lower my available credit, my credit score dips a few points for a month or two. This kind of lending should be illegal and I hope they get hit with a class action lawsuit or close their doors for good. DON’T GET ANY CREDIT PRODUCT FROM THESE CROOKS!!!

I did a cash advance and some charging the first month I had their stupid card. For some reason a checking account deposit held up my CC payment and they locked my card. They even dropped my score before I was able to pay. These people are real gally to be shutting off my credit.

We got the FNBO Credit card during shopping at Sheels in CS. The card word fine and the online account worked most of the time. We did get the technical issues try later message from time to time. Then we had a fraud deduction for about $64.00. We called the fraud number and reported it. During the authentication it turned out that the maiden name was misspelled. The send me a one time verification code and all was good. They told me to call back after the fraud transaction was moved from pending to posted. Called again after it was posted, the same thing happen with the maiden name being incorrect. This time they told me to go to any bank with an ID like DL or Passport and let them call the number on the card to confirm that is was me. I went to my Bank in CS and they laughed at me, sounds like a scam to me. So, they didn't call and got in the tree and and and...I do understand.

I request FNBO CEO to look in this matters. Because after this problem I was looking review for this FNBO card Customer review, it is very bad. They have bad experience. I request FNBO CEO to call me.

So, FNBO gave me a credit card. We were both okay for a few years. Then I charged a trip to Mexico on another card (who is also going to get a bad review). That obviously upped my utilization rate, so the other card cut my credit limit down - so my score went even lower. Now, I have an EXCELLENT job and an EXCELLENT payment history. I pay more than the minimum EVERY month on all my cards that have balances. Well, I locked a bunch of my cards to have them sit a bit while I pay others off. One of those that I locked was FNBO. So, THEY decide to lower my credit limit, even though I had the card locked, wasn't using it, and had always paid them on time and more than the minimum when I had a balance.

They were my first credit card. I started with a $500 limit. I just wanted to build my credit. I started making more money and the limit went to $1k. During the height of the pandemic 2020, I paid the balance in full, but somehow they rolled over interest from the previous month's balance. The amount was less than 3$ and went unpaid inadvertantly. They cut my credit limit in half back to $500. I now earn almost $100k a year, with a $500 limit, after being with them for 6 years. Today I was approved for a much larger amount, with a bigger bank, who offers better cash back. To hell with FNBO. Who do they think they are?

I opened a card with them (Amtrak). First, like the other reviews say, they send cards without activation requirement which makes me not comfy because someone else can steal the envelope and abuse it and they would not honor their zero liability policy, this is based on my personal experience. Second, their customer service seems to me like they are more volunteers than professionals, just compare it with the Big banks. Anyway, I tried to dispute a charge and they denied it based on non-sense. I DO NOT TRUST THEM AT ALL AND I WISH I READ THESE REVIEWS BEFORE.

So, I saw fraudulent activity on my card one night as a pending charge. I immediately called customer service to report it and was told a new card would be in the mail and I should receive it in about 7-10 days. The card shows up and not only does the paper have my FULL credit card number typed out on it but there are no labels on the card indicating they need to be activated.

Run! This is the worst bank I have ever done any business with. I signed up for the World Card from Fran's Farm and Fleet and received approval for a $10.000 credit limit as my credit at the time was doing well. Now I spent about 4000 dollars on the card from some some Christmas gifts and a few necessities. They completely ruined my credit by changing my limit without any notice or reason to right about the amount I had spent on the card. Then that same month they also processed 2 of the same payment, same transaction number and everything, which was had a completely different format from the prior payments on my bank statement, my primary bank contacted me to let me know that they had reversed the charges as it was a fraud attempt.

This bank has the worst payment system, ever. For the second month in a row, I have made my payment on a personal loan early just in case I did not have enough money in my account on the due date. The FNBO website says if you make a payment early outside a 3-day window of the due date, they will not subtract another payment. They lie. They have put me in overdraft with my home bank twice by doing this.