topic Re: AOC FCU Visa Signature $25K 7.49% in Credit Card Approvals

AOD FCU Visa Signature $25K 7.49%

Aim_High — Wed, 15 Apr 2020 22:42:38 GMT

After reading the alert from @fiddycal about this card and the other approvals, I couldn't help but come out of the garden to try for it! Just read about it last night for the first time and then applied! (I never do financial things that fast.) Approved 17 hours later for $25K @ 7.49% APR! This is a brand new offering from AOD FCU (Anniston Army Ordinance Depot Federal Credit Union, Anniston Alabama) and has only been out for a couple of weeks. It pays uncapped and uncategorized cash back rewards of 3%! Sweet deal, and I hope they can make it last! This card also has no FTF's and no BT fees!! And AOD FCU has other very competitive banking and loan products.

Special thanks to @fiddycal and numerous other posters who gave a lot of helpful information and data points for us all to follow. A true community effort!

They pulled EQ 5 (Mortgage) score which was well below my recent FICO Bankcard Score 8's and 9's but still high enough to get the best APR. (My Bankcard Score 8's recently 850 but EQ 5 was 780, for comparison purposes.)

My approval link in that thread with more DPs and info:

https://ficoforums.myfico.com/t5/Credit-Cards/Juicy-new-3-CB-offering-from-local-CU/m-p/5986287#M1712959

*NOTE: Edited the thread title to correct name error from AOC (incorrect) to AOD (correct) name.

Re: AOC FCU Visa Signature $25K 7.49%

CreditCuriosity — Wed, 15 Apr 2020 20:52:24 GMT

Congrats on an awesome approval and an awesome card! Apple card I forsee being closed at least by me and possibly you ... Really what does it offer now other than 0% financing on iphones? Nothing... this card destroys it in every way shape and form and pretty much every other card we all have!

Re: AOC FCU Visa Signature $25K 7.49%

GApeachy — Wed, 15 Apr 2020 20:52:34 GMT

Wow! Glad you didn't delay, congrats!

Re: AOC FCU Visa Signature $25K 7.49%

newfossil — Wed, 15 Apr 2020 20:53:57 GMT

Congratulations!!

Re: AOC FCU Visa Signature $25K 7.49%

Anonymous — Wed, 15 Apr 2020 21:00:19 GMT

Congrats, is this card geofenced?

Re: AOC FCU Visa Signature $25K 7.49%

blindambition — Wed, 15 Apr 2020 21:02:55 GMT

Enjoy the nice score buddy! Loving their awesome reps with my process. 👍🏻 👍🏻

Re: AOC FCU Visa Signature $25K 7.49%

AllZero — Wed, 15 Apr 2020 21:03:04 GMT

Congratulations on your approval!

Re: AOC FCU Visa Signature $25K 7.49%

Aim_High — Wed, 15 Apr 2020 21:08:57 GMT

@CreditCuriosity wrote:
Congrats on an awesome approval and an awesome card! Apple card I forsee being closed at least by me and possibly you ... Really what does it offer now other than 0% financing on iphones? Nothing... this card destroys it in every way shape and form and pretty much every other card we all have!

And congrats on your approval as well! No, I'm not super happy with Apple card but don't foresee outright closing it as much as mainly just the sock drawer effect. Same for some of my other cards, honestly. However, I've been trying to build my credit offerings among major lenders and like keeping options open. So I'm also waiting to see how this pans out. This is a FI I had never even heard of 24 hours ago and it's very small*!! That's a concern that I'm watching. And we all know 3% cards may not be able to last. Hopefully they know what they're doing. That said, I've been very impressed with what I've seen so far about all their products and the customer service has been spot-on. If they can keep this up, they may continue to get more and more of my business!

*Thanks to @Jetboy who posted, "AOD Federal Credit Union has been open since 1950. It's the 17th largest credit union in Alabama with assets totaling $325.07 Million and providing banking services to more than 34,000 members."

See link: https://ficoforums.myfico.com/t5/Credit-Cards/Juicy-new-3-CB-offering-from-local-CU/m-p/5972520#M1710097

Re: AOC FCU Visa Signature $25K 7.49%

Aim_High — Wed, 15 Apr 2020 21:12:52 GMT

@GApeachy wrote:
Wow! Glad you didn't delay, congrats!

Yes, me too!! I had the opportunity to get the USAA Limitless Cash Back card that paid 2.5% back. I already had USAA membership with banking accounts (both required) and I was already in the geo-footprint they offered it. I delayed applying and then they closed it to new apps!!! Arrghhh!!!! I've watched since then to see if they would open it back up, but they haven't. So when this came up, I wasted no time at all making a decision and applying! I was afraid they might close the loopholes to apply out of the geofence or even close the card to new apps. If you want this one, I wouldn't waste any time!

Re: AOC FCU Visa Signature $25K 7.49%

Gmood1 — Wed, 15 Apr 2020 21:13:20 GMT

Congratulations again @Aim_High .

Terrific approval!!

Glad to see so many members landing this card!!😀

Re: AOC FCU Visa Signature $25K 7.49%

Aim_High — Wed, 15 Apr 2020 21:17:59 GMT

@Anonymous wrote:
Congrats, is this card geofenced?

Not strictly, at least for now.

If you go their website (https://www.aodfcu.com), it appears mostly geofenced to certain people in the Anniston, Alabama area. But until they close them (if they do), there are a few alternate ways to apply. They don't advertise it. You have to read between the lines. See the original thread for some suggestions. I know of at least two ways the geofence has been bypassed and there may be more, but if they get swamped with applications they may close them.

See the general thread:

https://ficoforums.myfico.com/t5/Credit-Cards/Juicy-new-3-CB-offering-from-local-CU/td-p/5971983

Re: AOC FCU Visa Signature $25K 7.49%

Anonymous — Wed, 15 Apr 2020 21:20:05 GMT

@Aim_High wrote:
@Anonymous wrote:
Congrats, is this card geofenced?
Not strictly, at least for now.

If you go their website (https://www.aodfcu.com), it appears mostly geofenced to certain people in the Anniston, Alabama area. But until they close them (if they do), there are a few alternate ways to apply. They don't advertise it. You have to read between the lines. See the original thread for some suggestions. I know of at least two ways the geofence has been bypassed and there may be more, but if they get swamped with applications they may close them.

See the general thread:
https://ficoforums.myfico.com/t5/Credit-Cards/Juicy-new-3-CB-offering-from-local-CU/td-p/5971983

Thank you! I got 3 new cards this month so I don't want to push it. Congrats again on your card.

Re: AOC FCU Visa Signature $25K 7.49%

credit_endurance — Wed, 15 Apr 2020 21:20:59 GMT

Big Congrats @Aim_High on the approval! I have to admit this one is getting real tempting to be sitting on the sidelines right now. 😉

Re: AOC FCU Visa Signature $25K 7.49%

nuohlac — Wed, 15 Apr 2020 21:25:37 GMT

Congratulations on your approval!!!

Re: AOC FCU Visa Signature $25K 7.49%

Aim_High — Wed, 15 Apr 2020 21:28:38 GMT

@newfossil wrote:

Congratulations!!

- - - - - - - - - - - -

@blindambition wrote:

Enjoy the nice score buddy! Loving their awesome reps with my process. 👍🏻 👍🏻

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@AllZero wrote:
Congratulations on your approval!

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@Gmood1 wrote:

Congratulations again @Aim_High .

Terrific approval!!

Glad to see so many members landing this card!!😀

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@Anonymous wrote: Congrats again on your card.

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@credit_endurance wrote:

Big Congrats @Aim_High on the approval! I have to admit this one is getting real tempting to be sitting on the sidelines right now. 😉

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@nuohlac wrote:

Congratulations on your approval!!!

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Thanks guys!

This card seems to be a great find!

I'm very pleased!

Re: AOC FCU Visa Signature $25K 7.49%

M_Smart007 — Wed, 15 Apr 2020 21:51:30 GMT

Congratulations on your approval!

Re: AOC FCU Visa Signature $25K 7.49%

nuohlac — Wed, 15 Apr 2020 21:55:54 GMT

@Aim_High wrote:
@newfossil wrote:
Congratulations!!
- - - - - - - - - - - -
@blindambition wrote:
Enjoy the nice score buddy! Loving their awesome reps with my process. 👍🏻 👍🏻
- - - - - - - - - - - -
@AllZero wrote:
Congratulations on your approval!
- - - - - - - - - - - -
@Gmood1 wrote:
Congratulations again @Aim_High .
Terrific approval!!
Glad to see so many members landing this card!!😀
- - - - - - - - - - - -
@Anonymous wrote: Congrats again on your card.
- - - - - - - - - - - -
@credit_endurance wrote:
Big Congrats @Aim_High on the approval! I have to admit this one is getting real tempting to be sitting on the sidelines right now. 😉
- - - - - - - - - - - -
@nuohlac wrote:
Congratulations on your approval!!!
- - - - - - - - - - - -
Thanks guys!
This card seems to be a great find!
I'm very pleased!

I am so disappointed I cannot find a way into this one. Enjoy @Aim_High

Re: AOC FCU Visa Signature $25K 7.49%

Anonymous — Wed, 15 Apr 2020 22:03:14 GMT

@nuohlac wrote:
@Aim_High wrote:
@newfossil wrote:
Congratulations!!
- - - - - - - - - - - -
@blindambition wrote:
Enjoy the nice score buddy! Loving their awesome reps with my process. 👍🏻 👍🏻
- - - - - - - - - - - -
@AllZero wrote:
Congratulations on your approval!
- - - - - - - - - - - -
@Gmood1 wrote:
Congratulations again @Aim_High .
Terrific approval!!
Glad to see so many members landing this card!!😀
- - - - - - - - - - - -
@Anonymous wrote: Congrats again on your card.
- - - - - - - - - - - -
@credit_endurance wrote:
Big Congrats @Aim_High on the approval! I have to admit this one is getting real tempting to be sitting on the sidelines right now. 😉
- - - - - - - - - - - -
@nuohlac wrote:
Congratulations on your approval!!!
- - - - - - - - - - - -
Thanks guys!
This card seems to be a great find!
I'm very pleased!

I am so disappointed I cannot find a way into this one. Enjoy @Aim_High

I'll send you a PM.

Re: AOC FCU Visa Signature $25K 7.49%

CreditAggie — Wed, 15 Apr 2020 22:23:43 GMT

Congratulations on your AOD approval!

Re: AOC FCU Visa Signature $25K 7.49%

Mv350 — Wed, 15 Apr 2020 22:24:20 GMT

Congras on the approval AH!!