AGR FNBO Credit Card discussion 2023 H2 -2025

[John Bredin]

I like to be notified of any transaction, even small ones, because that's how fraudsters sometimes test the waters.

I'm between FNBO AGR Mastercards at the moment because a $1 parking charge in New Jersey was clearly fraudulent. Using my "backup" old Chase card in the meantime (the one issued after Chase lost the AGR contract, edges are peeling!), and hoping my new FNBO card comes in the Saturday mail!

 

[Literalman]

A year and a half ago I was in Vermont with my wife, had gotten a call that my mother had died, and was trying to find a way back to Philadelphia from Burlington (because the Ethan Allen had been canceled and the Amtrak agents I talked to didn't know about the buses that could be booked through the Amtrak site), when I got a notice from the First National Bank of Omaha that my payment was almost due and hadn't been received yet. I didn't have time to pursue it and expected to be home the next day. On the FNBO website I found a setting to receive confirmation of payment, so I chose that. A few days ago I got another of those messages about payment not being received, but no message once payment had been received. I just looked at my settings on the FNBO site and payment acknowledgment was turned off, so I turned it back on again.

 

[AFS1970]

I just had a weird thing with the AGR card. I was booking airline tickets and there was a premium charge for either an aisle seat or a window seat (so 2/3 of the plane). The tickets went through without a hitch, but the website kept saying that they could not give me my seat choice. I tried using a different card and it went through. I looked at my phone and saw the text from FNBO about possible fraudulent charges. I called them up and for some reason they had flagged the $49 fee as fraud but not the actual main ticket. I got it resolved quickly but lost out on the points I would have received.

 

[Bob Dylan]

I just had a weird thing with the AGR card. I was booking airline tickets and there was a premium charge for either an aisle seat or a window seat (so 2/3 of the plane). The tickets went through without a hitch, but the website kept saying that they could not give me my seat choice. I tried using a different card and it went through. I looked at my phone and saw the text from FNBO about possible fraudulent charges. I called them up and for some reason they had flagged the $49 fee as fraud but not the actual main ticket. I got it resolved quickly but lost out on the points I would have received.

FNBO seems to do an excellent job notifying Card Holders of suspected Fraudulent Charges, much better than Chase,CapOne or BOA in my experience with all 3 organizations.( I still have a Chase Card but not BOA or CapOne)

 

[jpakala]

We have the same: FNBO and Chase, but use the former by far the most. FNBO has been very good about reporting any possible fraud and our paying monthly by personal checks and never having a purchase be denied, though they may check with us to see that we made it.

 

[Pooh2]

My husband just closed his card and was told by the rep that his amtrak points would be forfeited.
I've also purchased points along the way.
Does anyone have experience with this?
My recollection from the last time we closed an account was that it was not true and the points were left alone.

 

[ancompton]

My husband just closed his card and was told by the rep that his amtrak points would be forfeited.
I've also purchased points along the way.
Does anyone have experience with this?
My recollection from the last time we closed an account was that it was not true and the points were left alone.

Was told the same last year, but points still showed up at end of cycle and are still there with a different Amtrak FNBO card.

 

[Shanson]

My husband just closed his card and was told by the rep that his amtrak points would be forfeited.
I've also purchased points along the way.
Does anyone have experience with this?
My recollection from the last time we closed an account was that it was not true and the points were left alone.

The points which the bank already transferred to your AGR account remain there. It's the points you have earned in the current billing period that you lose.

I would have left the card open with no balance. It's my understanding that closing credit cards actually hurts one's credit report.

 

[Dan O]

Does anyone know where on the website or app that one can find when the current billing period ends? Some cards list this but I haven't been able to find a date on FNBO. I know within about 3 days but it would be nice if I could find that information
Thanks

 

[zephyr17]

Does anyone know where on the website or app that one can find when the current billing period ends? Some cards list this but I haven't been able to find a date on FNBO. I know within about 3 days but it would be nice if I could find that information
Thanks

FNBO doesn't really show it. The closing date is 2/3 days after payment due date, though.

 

[PaTrainFan]

FNBO doesn't really show it. The closing date is 2/3 days after payment due date, though.

Unlike any other card I've had, FNBO does not have a consistent monthly closing date. I call them and ask what the dates are for each month so that I know what to expect.

 

[zephyr17]

Unlike any other card I've had, FNBO does not have a consistent monthly closing date. I call them and ask what the dates are for each month so that I know what to expect.

My due date and closings are exactly what they were with BoA. They apparently ported those over.

 

[Dan O]

FNBO doesn't really show it. The closing date is 2/3 days after payment due date, though.

Thanks. I'd rather they did but will have to just settle for a 3 day window.

 

[Trollopian]

Thanks. I'd rather they did but will have to just settle for a 3 day window.

My last five statements have come at intervals of 29, 30, 32, 30, and 29 days. And not on the same day of the week or any other pattern I can identify. It's mildly annoying. The statement comes 3+ days after the last due date.

 

[zephyr17]

I guess FNBO is doing pretty well in the customer service department, since the only thing people are finding to kvetch about is knowing their closing date.

 

[Dan O]

I guess FNBO is doing pretty well in the customer service department, since the only thing people are finding to kvetch about is knowing their closing date.

I haven't had to dispute a billed item but it seems like that had to be done in writing with FNBO vs online at other places. If so, that's a drawback.
But I'm pleased with the service. I haven't had any regular bills questioned like I did with Bank of America.

 

[ancompton]

I haven't had to dispute a billed item but it seems like that had to be done in writing with FNBO vs online at other places. If so, that's a drawback.
But I'm pleased with the service. I haven't had any regular bills questioned like I did with Bank of America.

can be done through customer service over the phone; worked well for me.

 

[Bonser]

I haven't had to dispute a billed item but it seems like that had to be done in writing with FNBO vs online at other places. If so, that's a drawback.
But I'm pleased with the service. I haven't had any regular bills questioned like I did with Bank of America.

I disputed a bill over the phone and that was that.

 

[zephyr17]

I haven't had to dispute a billed item but it seems like that had to be done in writing with FNBO vs online at other places. If so, that's a drawback.
But I'm pleased with the service. I haven't had any regular bills questioned like I did with Bank of America.

I've had a dispute and reported it over the phone. They were very professional and I was assigned one person to handle my case, so it wasn't handed around. They were very easy to work with.

 

[Trollopian]

I had my first dealing with FNBO customer service and I was, well, a bit underwhelmed but certainly not enough to take my business (and my 100,000+ AGR points and climbing) elsewhere in a huff. The issue was that my card was declined for a large, though legit, online transaction of about $1,000. (The text alert asking me if the charge was valid, Y or N, came a good 60 minutes after the attempt and was therefore useless. By then I had bought the item using another card. Losing out on the associated Amtrak points.)

Then, oddly, for the next week, my card was declined for several trivial transactions. At CVS and the transit fare machine. It was accepted for other equally trivial purchases so I was darned if I could figure a pattern. I have hearing loss so that I prefer to handle such queries by chat, not phone. (Also, a chat generates a transcript; a phone call doesn't.) FNBO disguises its chat button very well, and even when you find it, there's no mention of its days and hours. If you try it on (e.g.) Sunday evening like I did, it's unavailable, and you don't know whether it's monitored during business hours or...never. Anyway, I did try again on Monday morning and got a satisfactory resolution. But the whole saga was my first seriously sour note with FNBO.