FNBO

My review is simple- Stay Away from the Letters they send every month saying you are pre-Qualified. I have not been rejected for a Credit Card in 5 years until today- I have had identity theft 6 times - my gut feeling said, it was not a good idea. Trust me- Don't Do It.

So I received an offer in the mail saying I was pre-approved. Decided to check it out and they performed a Soft Pull on my Credit and said I was "Pre-Qualified" with a 15,000 credit limit, 12 months intro 0% APR, Etc. I don't need the credit that much as I have a number of tradelines in that range already. With that being said, At 15K, I really thought about getting the card but when I hit the "continue" button it just didn't do anything. Felt kind of strange and I decided to actually take a look at their reputation online...WOW. I am glad the button did not work! Between the lowering of credit limits without notice, the poor customer service, and the sheer number of 1 star reviews, I think I will pass on this bank forever. My scores are 780+ but I don't trust these guys as far as I can throw them. Seems like they have a bait and switch going on... Pre-qualify you at 15K... Give you a lower limit of maybe 7500 and THEN lower it to 500 after several months. No thanks!

They sent me an invitation to apply for a credit card. I went online to accept and it said I was approved for a card with a $15,000 credit line. I have other cards from other banks with similar lines. So I pressed apply which gave me a hit on my credit report. DENIED. What a horrible bank, stay away.

FNBO is sending me invitations for the last 12 month to apply for their rewards credit card. When finally I applied (my credit score was above 740) they denied my application affecting my credit score 15 points. What a strange way to do business. Sending pre approval mail invitations for 12 months and denying actual applications LOL. Useless.

This Co. lowered my available balance (what never happened to me before with none of other CC!!!). Which hit my credit score unexpectedly. I wish I closed this card. They said they monitor your credit and make decision every half year and I can request a review 6 months later. For years I had the card nothing ever happened. Until one day, without significant changes to my credit report. And when I requested a review they hit my credit score one more time by hard inquiry!?!! How come you figured it to lower my credit line and hurt my credit score without hard in inquiry, and you needed hard inquiry to see if you can put credit line back to what it was to hit my credit score against. Bottomline, if you accept this CC to repair your credit - close it few years down not to hurt your credit, more than it was repaired, out of a blue.

At first FNBO Jeep Drive Plus Mastercard seemed ok. There were a few hiccups along the way that gave me the uneasy feeling that these guys are not organized, but nothing that indicated pure concentrated evil. So, I was moving along attempting to earn points for Jeep gear and also use the 1000.00 earned incentive to purchase a new Wrangler. The incentive coupon was never received. I called FCA, I called FNBO ... and no one knew where was my incentive coupon. Then, after I purchased my new Jeep the coupon arrived.

I have banked with FNBO for 20 years and love their bankers. Always a very kind staff however as a small business, their PPP process has been an abomination, last in line, and they leave you to figure out everything on their portal on your own. Not one person is assigned to you. Now, almost a year later, it is still the same vague unattended process. Every other person I know has had round 1 fully forgiven already with other banks, no word on mine, and most are approved for round 2 from other banks, still waiting here as well. They also had a dedicated human they could call that guided them to expedite the process for them. FNBO has responded to our emails with a different person each and every time. Nothing personal has been indicated through this and we've been last in line every step of the way. It's already stressful for small businesses, this bank has made it more complicated and more stressful.

This company has the worst reviews online and I know why. This company sold one of my accounts, I accidently sent a payment to this company for that account. They have my money, they wont look it up and they wont send it back. The "customer service" will hang up on you. I am going to have to hire an attorney and sue this company. STAY AWAY.

I normally decline any credit card offers when checking out at a retail store. Scheels and First Bankcard reminded me why I don't apply. My wife and I were checking out and they offered $50 off so I applied for a Scheels card. Short app but then it's unable to be processed. They further explain it does not mean you're denied just "they want to look into it a little further". No phone calls and a few weeks later I get a letter in the mail saying they are unable to process due to "Identify info does not verify".

My payment record etc with FNBO is PERFECT. They reduced my credit limit without notice and it dinged my Credit Score. Probably upset that I use my card to pay the lower rate. I have two rates. Horrible customer service!