Almost 4 years to the date, I've reached FNANB's maximum $10k limit on my Visa with them (no, not balance... I don't revolve on this card!). Not bad for starting out @ $1,000 @ 19.8%. At 2 years I got it lowered to 15.9%, and in January of this year, upgraded to platinum and 13.9%. Not the best rate, but it was the first "pre-approved" card I received, 3 years post-BK. They've been great to deal with, liberal with increases, and basically never a problem. If only they would get into the single digits for rates, I might use them! Great ratio-builder, though. -mj
Oddly enough, you can't apply for their Visa... they send out pre-approved forms in the mail. Best I can tell, they target almost-prime, but not horribly sub-prime customers. I think my EQ was around 640 when I got it. If you get an offer ... even if it's only $1k @ 19.8 ... and you want a card that will grow fast ... my advice is to take it and work it. -mj
I called them a couple months ago and asked them some questions about their visa. They sent me an app in the mail per my request. You can't apply online, but you can request an app.
