First National Bank Secured Visa® Card Reviews

Approval Odds

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1.5 out of 5 stars
2 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

3.5 out of 5 stars

1.5 5

These reviews were written by current and former cardholders in the last year.

Oct 16, 2017

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. 

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Mar 09, 2017
Haven't seen a CLI after 2 years
myopioncounts Cardholder

On a good note, I got this card 2 years ago so that I could rebuild my credit. They have always reported my 100% payment history to the credit bureaus which helped raised my score (I have other credit cards as well) from 487 to 611. But they still haven't offered and have denied me a credit line increase. They originally said that I would be able to get one after 7 months (It's been 2 years now). I have 100% payment history. I have always carried a balance but have recently paid the card off in full about a month ago. I have never gone over the limit either. I plan on closing this account very soon after my husband and I buy a home. 

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First National Bank Secured Visa® Card