Creditor Information / FNBO
| Telephone | 800-753-5224 or 605-665-4181 |
| Payment Percentage of balance | 2% |
| Payment Minimum Amount | $20.00 |
| Charge Free Period | 1 mo |
| Acct Required to be Open | 9 Mo for delinquent accounts. Current accounts no age requirement. |
| CSP/Hardship programs | No |
| DMP Interest Rate | 4.99% |
| Waive late fees | Yes |
| Waive over limit fees | Yes |
| DMP benefits begin | Upon proposal acceptance |
| Re-Age | Yes, automatically after third accepted DMP payment, if eligible. |
| Restructure | No |
| Recall | No |
| Due Date Changes | Yes, account must be current |
| Charge Off Period | 120 Days |
| Drop Policy | Drops Upon Charge Off. Some may drop 60 days non-payment |
| Internal hardship/ Promotion Policy | No info |