Email said:Dear Dolmar,

Congratulations on your credit line increase to $50,000. Save now with a low, promotional 0.99% APR* fixed until the close of your billing cycle ending in May 2009 on new balance transfers that are made and posted to your account by June 30, 2008.

Collect your higher-interest credit card, retail, and gasoline card bills and transfer those balances today. Just visit us online at www.firstnational.com and log in or enroll. Select Balance Transfers under Account Services then enter the Special Offer Code below. Or, call toll free at 1-877-388-8248 and mention the phone special offer code below. We will assess a FINANCE CHARGE in the form of a 3% balance transfer transaction fee for each transaction you make associated with this offer ($10 minimum, $75 maximum). This fee will apply regardless of the manner in which you take advantage of this promotional offer.

Online Special Offer Code RTN6140
Phone Special Offer Code 6140

Check your emails if you have FNBO Visa Card just got the above email. Not sure if the Code is targeted or a generic code anyone can use like US Bank 0% online code posted a while back. Seems like a pretty hot offer if you ask me as I can get well above 0.99% return.

Just thought I would add that FNBO originally issued my card to me with a $21.5k credit limit back in Feb of 2006 and has given me 3 credit line increases without every asking for them.

PorStaker said:Hey Dolmar,
Has anything changed in your credit report significant to make them do this? What is your using habit with this card? Did you originally get it to make a 0% BT and then never used it again? Just wondering what got them to target you for the offer. I should have put this one in my last AOR, but it is on the list for November now...

I got the card back in my 06 Mini App-O-Rama. Made $500 purchase to get $50 statement credit then took paid the $500 charge next day to get balance back to $0. Then did a BT for $15k and paid it back in full before the 0% offer expired. Never used the card between Feb and now. Also never had FNBO savings account either. I got a CLI while carrying a balance durning the 0% offer from $21.5 to $30k then another increase once I paid off the card in full to $35k and this last CLI increase today. I always made minimum payments of 2-4x the minimum amount durning the 0% promo.

I did another small App-O-Rama in March of 08 were I applied for 7 cards and I got $285k in new credit but I only draw $125k of it because $100k worth had no 0% offer and $25k was on ATT Visa which I got just for the 10% off my ATT landline, TV, Internet and Cellphone bill which are $250 per month.

So I guess they noticed the $125k of new debt which has been reporting for the last 2 months now and I guess they thought if they offered me a low enough rate I would transfer part of those balances to them which they are correct. Only problem seems to be the BT has to be made out to another credit card as there web page is not allowing me to send the money to HELOC. Might have to call and ask if they can BT to my Heloc otherwise the offer is worthless as I really do not want to pay $75 to FNBO and another fee to another credit company to get that money out. I really do not like over paying credit as I think credit card companies do not like that nor do I want to attract any eye balls to my accounts or suffer from any adverse action.

1 last thing be aware FNBO does not like people who do full blown App-O-Rama and they tend to close people accounts as they do 1 pull once they open your account and another soft pull 2 weeks later and if they notice tons of new accounts or inquiries they close your account. Which is the reason many people avoid FNBO and all other banks FNBO runs credit cards for.

Bagofchips said:Sometimes HELOCs have 16 digit FDR #s (ie they look like credit card numbers and balance transfers to them would work)... your account number would look like one if that's the case.

I called them and they said they can not do a transfer to my HELOC as it keep registering as a bank account in there system. My HELOC is from Citibank and my account number printed on my statements is the same as the account number printed on the checks Citi issued me. FNBO claims there system is telling them that my HELOC is considered a bank account and thus if I do a transfer to my HELOC it would count as a Cash Advance and not a BT. The rep said she would order me 3 BT checks and I should just write one of the checks to Citibank and mail it in for my payment and that should work fine.

My personal expeirence with FNBO is that they give you great offers then punish you for taking them: Had the card for close to ten years with cl over $35k, did not use it for a long time when I received a similar 0% offer to Dolmar. Did a $28k balance transfer and within a few weeks they reduced my credit line to $29k. Over the life of the 0% they would reduce my credit line almost every month as I made the minimum payments so my utilization on this card was always close to 100%. Tried paying off some extra one month just to see and they just reduced my CL more. When the 0% ended and I paid off the balance they dropped my CL to $7.5k.

So my advice: If you are going to hit this hit it hard since you will probably get one shot. I still have the card bu no good offers since and the CL is still $7.5k. fwiw my Fico is in the mid 700's and I have several other cards with more than $50k lines.

I get one email and snaill mail every 3 months, but it is for 1.99% for 12 months 3% or $75 BT and the snail mail include checks.

The random CL increases have slowed down though.

I use for daily purchases for the flyer program ~2.% back if I book a flight at the upper price in within the price category. About 4 years with the card maybe $1500 a month paid in full each month.