Was offered 0% intro apr on purchases and a $100 bonus for soending $1000 in 3 months. After sign up the offer was changed to regular interest and 5000 points for spending $1500 in first 3 months. I paid the card off cause i dont like to pay interest and i will not use this card again. Ill stick to barclay.
Even though I got this card to build my credit, I also got it b/c I needed a VISA/MC since most merchants take those over Amex. (I already had an Amex). In order to get the card, I had to go through the whole verification process and then pay a deposit. Finally got the card and after the first billing cycle, I go to use it at the grocery store (with a cart full of food) and the transaction wouldn’t even authorize. I called FNBO to find out what's going on and I’m immediately transferred to the "fraud dept". They tell me that I need to verify my identity and to "go to a bank with my ID and call them back when I get there for further instructions." What?! Who has time for these inspector gadget games. They really put me in a bind my shutting the card off FOR NO REASON. I only used the card to buy groceries and a few online items, so there was no reason for my account to be flagged or shut down. They wouldn't even tell me WHY my account was flagged in the first place. Turns out, they always do this randomly to people's account "for security reasons." To add insult to injury, they also REFUSED to refund my security deposit and all other monies owed!! I filed a complaint with the CFPB (FNBO already has 153 complaints filed against them this year) and I will be suing them if I don't get my money back.