topic Re: NFCU CLI, Discover/BBVA approvals, AOD ? in Credit Card Approvals

NFCU CLI, Discover/BBVA approvals, AOD ?

Duriel — Sun, 28 Mar 2021 04:27:06 GMT

Edit: It appears AOD pulled my credit before the application was finished. Credit karma thinks I'm mortgage shopping 🥴

Applied the other day for a CLI on my NFCU Cash Rewards. Went from 12500>15500 (had requested 16500).

Discover approved me today for $3000 on the Discover it Cashback. I was worried after reading some of the posts on here that I'd get some unusable limit like $500. While $3000 isn't big by any means, it is useable. HP on Experian only.

BBVA approved me today for $4300 on their Clearpoints card. Website errors when I try to set my categories. Too soon maybe? 🥴 HP on Experian only.

I was applying next at AOD for their unicorn credit card. Got half through the application and the website broke. Maintenance time maybe?

If denied for the card (or membership), I will poke one of the 2% cards that pull TransUnion. My best all around right now is 1.5%.

Data:

EQ TU EX

F8 715 731 734

F9 725 743 720

F5 (AOD) 701

Income: 61,000

Util: 4%
DTI (w rent) 28%
Revolvers: 5/12

Newest Age: 4mo

Auto Loan from this January

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

AllZero — Sun, 28 Mar 2021 04:17:47 GMT

Congratulations on your approvals and CLI!

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Anonymous — Sun, 28 Mar 2021 04:20:52 GMT

@Duriel wrote:

Applied the other day for a CLI on my NFCU Cash Rewards. Went from 12500>15500 (had requested 16500).

Discover approved me today for $3000 on the Discover it Cashback. I was worried after reading some of the posts on here that I'd get some unusable limit like $500. While $3000 isn't big by any means, it is useable. HP on Experian only.

BBVA approved me today for $4300 on their Clearpoints card. Website errors when I try to set my categories. Too soon maybe? 🥴 HP on Experian only.

I was applying next at AOD for their unicorn credit card. Got half through the application and the website broke. Maintenance time maybe?
If denied for the card (or membership), I will poke one of the 2% cards that pull TransUnion. My best all around right now is 1.5%.

Data:

EQ TU EX
F8 715 731 734
F9 725 743 720
F5 (AOD) 701

Income: 61,000
Util: 4%
DTI (w rent) 28%
Revolvers: 5/12
Newest Age: 4mo
Auto Loan from this January

Congratulations on your approvals! 🙏🏻🥳🥳🥳

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

CreditMagic7 — Sun, 28 Mar 2021 04:33:27 GMT

Congratulations on the new approvals and CLI!

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Duriel — Sun, 28 Mar 2021 04:51:20 GMT

Thanks. AOD provided an interest rate of 8.99% and I requested a 20k limit (maybe dreaming but supposedly they counter if that's too much). Their identity verification is reportedly... robust. So I may not know the final status of the application for a while.

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

cashorcharge — Sun, 28 Mar 2021 05:28:03 GMT

A busy day for sure.

That's terrific! Congratulations on all your approvals!! 🎉🥂

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

M_Smart007 — Sun, 28 Mar 2021 05:36:53 GMT

Congratulations on your success

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

CreditAggie — Sun, 28 Mar 2021 13:17:17 GMT

Congratulations on your CLI and approvals!

Good luck with AOD!

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Mr_Mojo_Risin — Sun, 28 Mar 2021 13:35:36 GMT

Well you cleaned up pretty well.

I'm pulling for you on the AOD CC, it's a smooth one for sure.

Thanks for DP's

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

gdale6 — Sun, 28 Mar 2021 14:19:21 GMT

Grats on your new cards

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Credit4Growth — Sun, 28 Mar 2021 18:00:53 GMT

@Duriel Congratulations on the approvals and the previous Navy CLI! 👏

Thank you for providing DPs. 😊

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Credit4Growth — Sun, 28 Mar 2021 18:04:11 GMT

@Duriel wrote:
Thanks. AOD provided an interest rate of 8.99% and I requested a 20k limit (maybe dreaming but supposedly they counter if that's too much). Their identity verification is reportedly... robust. So I may not know the final status of the application for a while.

...GL2U on this AOD app, I think trying for the 3% card is worth it for everyone!

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

JNA1 — Sun, 28 Mar 2021 18:23:43 GMT

Congrats!

If you applied yesterday (Saturday) you won't hear anything from AOD until probably Tuesday, then expect a couple of more days of sending information and waiting for a decision.

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Duriel — Tue, 30 Mar 2021 19:15:28 GMT

It's looking like a no on AOD. In the email conversation (they're... different) they cited DTI as the reason. I come up with 28% based on my rent, car payment and minimum payments on credit cards. I pay in full mostly but that is how they calculate it right? I asked them what number they arrived at and what their threshold is. 28% doesn't seem high to me. Maybe I'll get lucky and I can add some data to the AOD thread.

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Anonymous — Tue, 30 Mar 2021 19:44:33 GMT

yea!! good work

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Credit4Growth — Tue, 30 Mar 2021 20:35:44 GMT

@Duriel wrote:
It's looking like a no on AOD. In the email conversation (they're... different) they cited DTI as the reason. I come up with 28% based on my rent, car payment and minimum payments on credit cards. I pay in full mostly but that is how they calculate it right? I asked them what number they arrived at and what their threshold is. 28% doesn't seem high to me. Maybe I'll get lucky and I can add some data to the AOD thread.

Sorry to hear this @Duriel

2 for three, an average high enough to place you into the 'Hall of Fame' 😃

Congratulations on your approvals!

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Duriel — Tue, 30 Mar 2021 21:41:16 GMT

I'm still looking for a 2% or higher catch all card. Other than PayPal, does anything pull Transunion exclusively? Haven't apped anything on that bureau lately.

Re: NFCU CLI, Discover/BBVA approvals, AOD ?

Credit4Growth — Tue, 30 Mar 2021 21:56:47 GMT

@Duriel wrote:
I'm still looking for a 2% or higher catch all card. Other than PayPal, does anything pull Transunion exclusively? Haven't apped anything on that bureau lately.

Not off the top of my head but I am sure there is one or two.

Still, I would like to mention for you to be mindful of DTI when applying with other CUs... as well as which CRA they pull - even though AOD may do their calculations very differently!

🍻 Cheers!

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910