First National Bank of Omaha, questions!

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waffled
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First National Bank of Omaha, questions!

Postby waffled » Tue Oct 30, 2012 12:38 pm

So I got an offer for an Omaha card (the american express one) and decided to accept it for the one-year with no interests, I got a $4800 limit and it's my 9th credit card. But I have a few questions..

1. Being an AMEX, does the 61 day 3x credit limit increase apply too?
2. Anyone here have experience with it? Doesn't seem to be a popular card.
3. Foreign transaction fee? I've found info saying it does charge, and also info saying it doesn't...
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash


DavidNY
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Postby DavidNY » Tue Oct 30, 2012 6:12 pm

2% on gas and groceries, 1% elsewhere?

CC Deville
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Postby CC Deville » Tue Oct 30, 2012 7:44 pm

waffled wrote:So I got an offer for an Omaha card (the american express one) and decided to accept it for the one-year with no interests, I got a $4800 limit and it's my 9th credit card. But I have a few questions..

1. Being an AMEX, does the 61 day 3x credit limit increase apply too?
2. Anyone here have experience with it? Doesn't seem to be a popular card.
3. Foreign transaction fee? I've found info saying it does charge, and also info saying it doesn't...


1. The card is issued by FNBO and only uses the Amex network. As it is not issued by Amex directly, the 61 day 3x CLI does not apply. FNBO is actually really, really conservative so I cannot imagine getting above $12K within two months. Again..this card is ISSUED by FNBO-not Amex.
2. They sent me a pre-approval once. I had previously had a FNBO Platinum Edition Visa...I was neither impressed nor unimpressed. Good customer service for the most part....in 12/06 I decided to put the kabosh on my FNBO (meh credit line and meh APR and no rewards). It took over three days to close it because aparently New Years Eve (3 pm CT) was considered a holiday and other than calling your card lost/stolen they weren't taking calls...Omaha go figure...and then when I called 1/3/07 they were closed due to several blizzards that year. So...nice that they are privately owned and you are dealing with nice, but boring Nebraksan's I prefer my credit cards to be issued by banks that have people at the ready. This was nearly 6 years ago so things may have changed.
3. FNBO has two different Amex's: the regular dark blue one charges a 3% FTF; the "Graphite" version does not charge the FTF. Which one were you approved for?

Overall...FNBO is meh.

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waffled
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Postby waffled » Tue Oct 30, 2012 9:41 pm

^I was approved for the regular dark blue, thanks for all the info!
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

CC Deville
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Postby CC Deville » Tue Oct 30, 2012 10:06 pm

waffled wrote:^I was approved for the regular dark blue, thanks for all the info!


No problem. Congrats on your approval by the way.

So.....would you like to share with the class how you obtained that Scotiabank card? :cool:

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waffled
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Postby waffled » Wed Oct 31, 2012 9:44 am

CC Deville wrote:No problem. Congrats on your approval by the way.

So.....would you like to share with the class how you obtained that Scotiabank card? :cool:


Well I already had 2 Scotiabank accounts, one checking in Peru, one savings in Canada. I wanted something that will be widely accepted when I'm traveling in south america, they are a major pain... have to present yourself with proof of income, ID, proof of the current state of your current cards.

I'm actually thinking of getting their black card, comes with 30,000 points and access to airport lounges for $145/yr, plus other perks of course.
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

CC Deville
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Postby CC Deville » Wed Oct 31, 2012 3:46 pm

waffled wrote:Well I already had 2 Scotiabank accounts, one checking in Peru, one savings in Canada. I wanted something that will be widely accepted when I'm traveling in south america, they are a major pain... have to present yourself with proof of income, ID, proof of the current state of your current cards.

I'm actually thinking of getting their black card, comes with 30,000 points and access to airport lounges for $145/yr, plus other perks of course.


Crazy. I didn't think as American's we could open any accounts with Canadian banks. Did you live in Canada at one time?

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waffled
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Postby waffled » Wed Oct 31, 2012 9:16 pm

CC Deville wrote:Crazy. I didn't think as American's we could open any accounts with Canadian banks. Did you live in Canada at one time?


I lived in Canada when I was 15, didn't have a license or anything so I do not think it matters. My citizenships are American, Peruvian, and Croatian.
My card is with a Scotiabank Peru, in Canada I just have savings.
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

DavidNY
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Postby DavidNY » Wed Oct 31, 2012 9:40 pm

A lot of Canadian banks have been swallowing up American banks lately (TD [which now has more US than Canadian branches], RBC, BMO) but I think Scotiabank would have to close down their Cuban operations before opening up any US branches, which is a shame because I like their 4% off gas & groceries card.

Since Scotiabank has no-fee ATM reciprocity with BofA, their ABM is one of my first stops when I'm north or the border.

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Socelli
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Postby Socelli » Thu Nov 01, 2012 9:02 am

I have the FNBO dark blue Amex card and the FNBO BucksBack VISA in addition to my Amex Gold (standard) and the Amex Business Gold. I have NEVER had any problems with FNOB. They're a good bank with good, friendly people on the phones. Go for the offer, Waffled. Good luck.
Cards:
American Express: Business Platinum-NPSL, Delta SkyMiles Gold-$2K
Chase: Sapphire Preferred-$5K, Southwest Airlines Visa-$3.7K, Freedom-$400
USAA: Platinum MC-$4K, Advantage Rate MC-$4K, Amex-$4K
FBNO: BucksBack Visa-$1K, Amex-$1.7K
GECRB: Walmart Discover-$3,7K
Barclays: Financing Visa-$3.2K, Juniper MC-$1.1K
Capital One: Platinum MC-$1.5K, Platinum MC-$750
CFNA: Firestone-$1.6K
CitiBank: Office Depot Business Card-$1K



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