Got an interesting offer - from a market perspective -from FCNB. Of course this a card that sits in the drawer with no balance. They sent me a mailer - due to my wonderful credit with them - and a check for $2.50 to activate this rewards program. I won't do it - but it had a couple of good points - but worth $60 annually...not in my opinion: Hot-LINE program offers: 1. cash back / 2% on first $5000 charged to FCNB You only get the cash once a year - if you renew. 2. MONEY BACK sale guarantee - not bad: "when you buy an item with FCNB, and the store puts it on sale in 60 days, you receive difference up to $250 per year." 3. free copy of my credit report 4.RETURN Guarantee - not bad - gives you 60 DAYS to return a purchase and receive full purchase price refund of up to $250 per item - as much as $1000 per year. I turned the offer over and the small print excludes many items - hmm. Nope - but a good old American try goes to FCNB for offering a reasonable legit cardholder upgrade offer. aarrrfff - dogman
I got the same offer in the mail today and it went in the trash right away. FCNB is desperate to make money. My FCNB Mastercard is in the sock drawer. I am waiting to find out who is buying FCNB. If Aspire buys them I will close the account asap. Aspire visa is known to charge over 30% a.p.r.
I got this offer about 3 days ago, maybe Saturday. In the shredder it went! LOL. Reminded me too much of Discover.
