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Discussion in 'Credit Talk' started by Wanda, Oct 6, 2000.
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They offer you a card with $100.00 to get you started, but obviously you can add $$ to it and build up your credit.
I received a partially-secured pre-approval from FCNB for a 200% credit line on whatever I sent in as a deposit and was just wondering. Do all of FCNB secured, partially-secured and unsecured credit cards, have the two-cycle billing or do some have average daily balances for calculating finance charges? Thanks in advance, lostinplace
I believe they have a 25 day grace period. They do not use the 2 cycle billing method which is good. They are reputable bank with good customer service.
yep they sure are. And they give great credit increases too. I have three accounts with them No problems. I reccommend them
Do they report all three accounts to CRA ?
Thanks everyone for their comments, but, if all of FCNB's credit cards have the two-cycle billing, rather than average daily balance, that really can't be a good thing for those who carry a balance, can it? Respectfully, lostinplace
yes they sure do
The two cycle only comes into play when yu dont pay your balance off before the grace period. Other then that it is on the avg daily balance..
Thanks Ron, for the clarification. lostinplace