I had a Visa card with FNBO for almost 40 years, and I never had a late payment! I used it primarily for travel. Because of COVID, the last time I traveled and used the card was October 2019, and I didn't travel in 2020. Then they abruptly, without notice, closed the account for "long term inactivity." A phone call to the bank was unsatisfactory. I was told the cancellation is "permanent." I am disappointed with the lack of decency and compassion toward a long term customer during a global-wide pandemic. User's recommendation: Avoid FNBO!!! There are other better credit card companies out there who value their customers.