I'm fine with FNL. They got decent CSR. Always responds to my emails.
Their phone calls seem redundant tho. Havta repeat myself several time and they keep telling me it usnt their department. Supposedly winner circle is separate.
Their mailing out the rewards card are in consistent and they blame the USPS.
They told me they will email my codes, but never do. When I'm suppose to receive 3 rewards card, I only get 2 mailed. Nuisance. But at the end, it works out.
Never had my code stolen tho. Not yet. Not worried if I did either since I know they will give me a new one.