1.6
11 reviews
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First National Bank of Omaha - Visa Card

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First National Bank of Omaha - Visa Card
 
1.6

(based on 11 reviews)

Ratings Distribution

  • 5 Stars

     

    (1)

  • 4 Stars

     

    (1)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (9)

18%

of respondents would recommend this to a friend.

Most Liked Positive Review

 

we served you first

This was the first credit card offer presented to me at The Ohio State University, which I attended and was walking across the oval on my way to class early.  I did at...Read complete review

This was the first credit card offer presented to me at The Ohio State University, which I attended and was walking across the oval on my way to class early.  I did at that year hols about a $500-$1000 balance on the card and made monthly payments from the time I acquired the debt on forth. Over time the card increased from my original limit of $3,000 to now 11,200.  I am very satisfied with the company overall in all aspects, and to top everything off, the card sends very low one year balance tranfer opportunities to help you out also.  The card help establish and maintain the current credit score and credit I have today as well as meet my needs of obtaining credit and buying the essentials i could of otherwise not bought with my current check card or buckeye card at the time living within the dorms of Ohio State Universities campus dorms.  I am very grateful that this company opened the doors for my financial banking and credit future I will need to follow and maintain for the upcoming years.

VS

Most Liked Negative Review

 

Beware of this bank and its Visa card

I've had a terrible experience with this bank and with this card, even though I have been a customer for 10-12 years (I closed my account today). I had a good credit...Read complete review

I've had a terrible experience with this bank and with this card, even though I have been a customer for 10-12 years (I closed my account today). I had a good credit limit - $14,000 - and fairly low interest. When I got laid off two years ago, I enrolled in their program that pays your minimum payment for you. Well, the first payment was too low and the bank cut my limit in half and raised my interest rate. I was afraid to open another card because I was unemployed and continued to use the card. 

Later, I was able to pay off the balance on the card and didn't use it for quite some time. I had to start using it recently for some travel and decided to check and see what my interest rate was. I was shocked to find out it was nearly 29.990%! When I asked them why it was so high, they said there was a late payement in October of 2009, which caused my interest rate to rise. I checked to see when I made the payment and realized my own bank was very slow in sending it, so I started making payments very early. I asked if they could lower the interest rate, since it was July of 2010 and they said they could not lower it, even though any payments since had been on time.

I decided to check my credit score and found it it was rated excellent and higher than it had ever been (I recently gained full time employment). I quickly got two different credit cards that require excellent credit and had great introductory offers of 0% interest, plus I will be able to get different points or rewards on each card.

I called First National Bank of Omaha Visa to cancel my card, expecting them to give me a hard sell or counter offer, but they quickly canceled it and said I would be getting confirmation in the mail. The customer service person never even asked why I was canceling the card or thanked me for my years of business.

Go with Chase or Capitol One - I've had great experiences with both.

Reviewed by 11 customers

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(1 of 1 customers found this review helpful)

 
1.0

Not a friendly bank

By 

from Missouri

Comments about First National Bank of Omaha - Visa Card:

I have had this card over a year. Never had a balnace. Then after studying online seems I need a small balance & to pay it off to further improve my credit scores. So I did. when I paid it off in 2 monthly payments i paid it off by the balance it said online "" current amount due pay in full"" I paid that amount then received a bill for $2.49 , I emaild and got a message back to call them. I called them and spent 20 minutes on hold. The representative didnt want to seem to listen to me he just said you owe us $2.49 , I said fine just cancel this card he said fine & did. Never will I recommend this company. Rude representative and will treat you like dirt over $2.49.

(9 of 10 customers found this review helpful)

 
4.0

Great card to establish credit for a college student

By 

from Circleville, OH

Comments about First National Bank of Omaha - Visa Card:

this card has been great for me as a college student to get credit astablished.  If you keep your balance under 250 dollars there is not interest charge. When making your payments on time they will up your credit balance.  This has been helpful for me when my car broke down and I didn't have the money since I am in college.  I am very please with this credit card.

(8 of 8 customers found this review helpful)

 
1.0

stay away

By 

from New York, NY

Comments about First National Bank of Omaha - Visa Card:

I had a Visa card from First National Bank of Omaha for two months. Yesterday my card god declined. After I called their customer service I was told that my account was closed because my credit rating had significantly dropped. By "significantly" they mean 4% since the last month because I applied for couple "introductory 0% APR" pre-screened offers. I have cards from other banks and have never had anything like this. I had credit limit increases/decreases, APR changes, but never any cards cancelled by a bank. Aren't they supposed to send a written notice of cancellation first at least?

(5 of 5 customers found this review helpful)

 
1.0

BEWARE!!! WORST EVER -PROBABLY ILLEGAL TACTICS

By 

from Ferndale, MI

Comments about First National Bank of Omaha - Visa Card:

NO STARS!!!!!

I have had their Visa card thru my credit union for many years. In the year prior to the Federal changes for credit cards, First National Bank of Omaha TWICE raised their interest rates from 6.99% to 11.99%. i was able to get mine reduced to 9.9%. Also they forced everyone from a fixed rate to a variable rate.  Their stupid rewards program forced on everyone was supposed to somehow makeup for these changes. They continued to have balance transfer specials which I took part in. Approximately 1-2 months after the bonus interest rate expired on my transferred balance, they imposed the Penalty Interest rate of 19.99% on me! I consitantly pay on time,made payments well beyond the minimum payments each month, and have never exceeded my credit limit of  $19,700 on their Visa Signature Card. After 4 months of several different representatives telling me it was an error and correcting it, only to have it come back on the following month's statement, a different rep told me the 19.99%  Penalty  Interest Rate was staying, because I was not 'making progress', that my balance was approximately what it was a year before, and that it was 70% of their credit limit. So what??? I use my card and I pay  and follow their rules and have an excellent credit score. The rep said First National Bank of Omaha has its own internal rating system. In other words THEY MAKE UP THE RULES AS THEY GO ALONG AND RAISE THEIR RATES TO GOUGE YOU ANY WAY THEY CAN< ESPECIALLY AFTER YOUVE TRANSFERRED OVER A BALANCE!     BEWARE!!!

(12 of 12 customers found this review helpful)

 
1.0

Beware of this bank and its Visa card

By 

from New York, NY

Comments about First National Bank of Omaha - Visa Card:

I've had a terrible experience with this bank and with this card, even though I have been a customer for 10-12 years (I closed my account today). I had a good credit limit - $14,000 - and fairly low interest. When I got laid off two years ago, I enrolled in their program that pays your minimum payment for you. Well, the first payment was too low and the bank cut my limit in half and raised my interest rate. I was afraid to open another card because I was unemployed and continued to use the card. 

Later, I was able to pay off the balance on the card and didn't use it for quite some time. I had to start using it recently for some travel and decided to check and see what my interest rate was. I was shocked to find out it was nearly 29.990%! When I asked them why it was so high, they said there was a late payement in October of 2009, which caused my interest rate to rise. I checked to see when I made the payment and realized my own bank was very slow in sending it, so I started making payments very early. I asked if they could lower the interest rate, since it was July of 2010 and they said they could not lower it, even though any payments since had been on time.

I decided to check my credit score and found it it was rated excellent and higher than it had ever been (I recently gained full time employment). I quickly got two different credit cards that require excellent credit and had great introductory offers of 0% interest, plus I will be able to get different points or rewards on each card.

I called First National Bank of Omaha Visa to cancel my card, expecting them to give me a hard sell or counter offer, but they quickly canceled it and said I would be getting confirmation in the mail. The customer service person never even asked why I was canceling the card or thanked me for my years of business.

Go with Chase or Capitol One - I've had great experiences with both.

(11 of 11 customers found this review helpful)

 
1.0

Beyond the pale

By 

from Helena, GA

Comments about First National Bank of Omaha - Visa Card:

When I lost my job a few months ago, I was struggling to make ends meet. I contacted all of my cc holders and explained the situation. Bank of Omaha was one of two that refused to make any kind of concessions in order that I might continue regular payments. I worked with all my debtors, answered whenever they called, updated all my contact information truthfully and never tried to dodge their inquiries. I WANT to pay my debts. Finally, this past Sept., I found a part time job (pays min. wage) that would allow me to resume payments.

Contacted B of O Visa. Was enrolled in a special program where I would pay no interest and simply be set up on a two year payoff plan. Fantastic, right? I agreed, told them I would send in the payment, and all was well. Until the next day. Another associate called, I explained I had already accepted their payment offer, and was told that if I had sent in payment, I would have never been enrolled in their program b/c I needed to send in more than the quoted price. Not liking the sounds of that, I requested, and was denied, terms of agreement. I offered snail mail, email, fax...they flat out said they could not send any terms unless I made my first payment via phone with an associate. I didn't feel comfortable with that and told them so. The CSR then started on a barrage of insults until I promptly hung up.

A day later, another associate called. Same response. Tell me...what type of bank refuses...REFUSES...to send out an outline of terms of agreement when modifying a payment plan? Is it even legal for them to refuse to send it to me?

This from a bank whose response to my calling in the same day I received notice that I was being laid off and telling them as much was to raise my interest rates to triple what they previously were. She lost her job? Oh, well let's charge her even more money. Customer service is a joke. Even before my unfortunate circumstances, I found that speaking with a rep from BO Omaha was like nails on a chalkboard. They must train their associates to be jerks.

(7 of 7 customers found this review helpful)

 
5.0

we served you first

By 

from Columbus, OH

Comments about First National Bank of Omaha - Visa Card:

This was the first credit card offer presented to me at The Ohio State University, which I attended and was walking across the oval on my way to class early.  I did at that year hols about a $500-$1000 balance on the card and made monthly payments from the time I acquired the debt on forth. Over time the card increased from my original limit of $3,000 to now 11,200.  I am very satisfied with the company overall in all aspects, and to top everything off, the card sends very low one year balance tranfer opportunities to help you out also.  The card help establish and maintain the current credit score and credit I have today as well as meet my needs of obtaining credit and buying the essentials i could of otherwise not bought with my current check card or buckeye card at the time living within the dorms of Ohio State Universities campus dorms.  I am very grateful that this company opened the doors for my financial banking and credit future I will need to follow and maintain for the upcoming years.

(13 of 15 customers found this review helpful)

 
1.0

Awful customer service and extreme policies

By 

from Woonsocket, RI

Comments about First National Bank of Omaha - Visa Card:

FNB of Omaha closed my account with no warning or notice. I have never been over my credit limit and I have never made a late payment.

When I called to ask why my card was rejected at a store, they informed me they had closed the account because I received a $400 Walmart card and a $200 Target card. WTF? Seriously.

I earn $200k per year and the credit limit on this card was only $7,500 which is about 2.6% of my annual income.

The closing of this account severely impacted my credit rating, my fico dropped 65 points because of it.

Don't use FNB of Omaha, you will probably regret it.

(5 of 7 customers found this review helpful)

 
1.0

MAKE SURE YOU MAKE THE PAYMENT 2 WEEKS BEFORE ITS DUE

By 

from North Scituate, RI

Comments about First National Bank of Omaha - Visa Card:

You need to be careful with First National Bank of Omaha credit card.  I received a great monthly rate 2 years ago at 3% for the life of the card.  Which you will never see again, or maybe not for years to come.  The problem with the credit card is that they send out the monthly statements 3 days before they are due.. Big Big Problem- theirs no way to pay it on time.  After fighting with the company several months in a row, I knew that I had to just make my own payment 2 weeks before it was due so my 3% rate did not go up to 22% because of making a late payment.  So as we all know Buyer Beware, make sure that when a good thing comes your way, you check it out thoroughly and pay well before it is due.

(10 of 11 customers found this review helpful)

 
1.0

Bait and Switch service

By 

from Columbus, OH

Comments about First National Bank of Omaha - Visa Card:

First National Bank of Omaha sent us an unsolicited credit card offer several months ago.  Because we anticipated a vacation/business trip overseas we thought it would be prudent to have a very low interest rate credit card to use.

 

We received the card, verified it, and put it away for about 3 months.  Early in Sept. I called them and told them that we would be using the card in Europe--gave them the countries and the dates of travel.

 

We then received a latter stating that "Periodically we conduct a review of our bankcard accounts.  We review both the manner in which you have used and paid you account.  Unfortunately, at this time we find it necessary to decrease your revolving credit line."

So what's the point of having this card on our system when they offered a big credit limit and then switched it to a miniscule one?  I'll be cancelling the card....if they let me!

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