topic Re: Anyone denied by Jovia? in Credit Card Applications

Anyone denied by Jovia?

Snook_on_the_Line — Thu, 03 Oct 2024 16:32:52 GMT

Been seeing a lot of approvals from Jovia lately. Seems 25k is their go to for clean profiles.

We've also seen lower approvals with bks showing, collections, ect

anyone been denied and have some DPs to share on what they don't like?

Re: Anyone denied by Jovia?

Jnbmom — Thu, 03 Oct 2024 17:57:53 GMT

I know they are not fond of people who have high available limits .

Re: Anyone denied by Jovia?

FicoMike0 — Thu, 03 Oct 2024 18:39:21 GMT

This is a good question. I see a lot of approvals for high cls.

Re: Anyone denied by Jovia?

woodyman100 — Fri, 04 Oct 2024 22:41:59 GMT

They kicked me to the curb.
don't remember why.

my personal CC limits are close to 900k so probably it

Re: Anyone denied by Jovia?

fullstackdev — Sat, 05 Oct 2024 02:37:47 GMT

I was preapproved for up to $40k on their card but denied when I applied due to an old unpaid collection account that will soon fall off. My score was over 700 at the time of the application.

Re: Anyone denied by Jovia?

Komma — Sat, 05 Oct 2024 16:48:04 GMT

I was denied for having 2 late payments on my report. Both were from 2018. One was my student loan and one was a closed account that accrued interest after I had paid it off and closed the account. Ended up paying them like $4 but wouldn't budge on removing the late payment reported.

Re: Anyone denied by Jovia?

RickNATL — Sat, 05 Oct 2024 18:03:24 GMT

@Jnbmom I have quite a bit of high, available, and unused limits. They gave me $25K.

Re: Anyone denied by Jovia?

RickNATL — Sat, 05 Oct 2024 18:04:15 GMT

They will deny business credit if you don't live in NJ or NY....

Re: Anyone denied by Jovia?

RickNATL — Sat, 05 Oct 2024 18:06:20 GMT

@woodyman100 I haven $700k and 7% used and they approved. They are a weird beast.

Re: Anyone denied by Jovia?

RickNATL — Sat, 05 Oct 2024 18:07:56 GMT

@fullstackdev I was pre-approved at $40k. They gave me $25K and would not recon.

Re: Anyone denied by Jovia?

fullstackdev — Sat, 05 Oct 2024 18:14:40 GMT

Nice approval. I also requested recon when I was denied, and they would not budge. My current preapproval amount is $20k. I might reapply in the spring when this collection account ages off of TU and my current inquiries are at least six months old.

Re: Anyone denied by Jovia?

Snook_on_the_Line — Sat, 05 Oct 2024 21:52:34 GMT

Not sure about how inquiry sensitive they are because I had zero on tu

but I had two new revolving accounts when I was approved. One two months old and one two days old.

Re: Anyone denied by Jovia?

Traveler101 — Wed, 16 Oct 2024 02:22:38 GMT

@Jnbmom wrote:
I know they are not fond of people who have high available limits .

Waiting to see if this holds true. I applied for membership, that wasn't an issue. Preapproval for 40k at best rate. Applied and it went pending. That was today. I pulled my scores tu 8 815. Tu 4 765. 2 inq, 0/6 1/12 2/24. New cc.0/6 1/12 3/24. All util in good healthy ranges and no baddies. I do have 300+ TCL. Will be interesting to see. I have been denied once before for excessive available unsecured credit from someone else, 😆

Re: Anyone denied by Jovia?

RickNATL — Sat, 19 Oct 2024 03:42:19 GMT

I wasn't denied but their pre-approval CL estimation is off...it said pre-approval was $40K but I received $25K CL

Re: Anyone denied by Jovia?

CCrew — Mon, 18 Nov 2024 18:13:42 GMT

@RickNATL wrote:
I wasn't denied but their pre-approval CL estimation is off...it said pre-approval was $40K but I received $25K CL

Strangely enough the reverse was true for me. Pre-approved at $25k and CL of $33k.

Re: Anyone denied by Jovia?

thundr101 — Mon, 18 Nov 2024 21:14:49 GMT

I saw the Jovia wagon and took the bait about 2 weeks ago. Got declined for having "sufficient overall available credit" - recon did not result in approval.

Re: Anyone denied by Jovia?

GZG — Sat, 30 Nov 2024 04:55:38 GMT

@Snook_on_the_Line wrote:
Been seeing a lot of approvals from Jovia lately. Seems 25k is their go to for clean profiles.

We've also seen lower approvals with bks showing, collections, ect

anyone been denied and have some DPs to share on what they don't like?

yeah "pre-qualified" offers through the clutch interface are garbage and don't mean anything, it's normal underwriting with a HP even if declined

this goes for all CU's btw ^^ "clutch" is garbage IMO, assume a HP/POI/false pre-qualified claims, the works.

you want the offers from this interface instead:

Re: Anyone denied by Jovia?

Snook_on_the_Line — Sat, 30 Nov 2024 03:18:37 GMT

@GZG

Where did you find that page??

I clicked my offers and all I see is a link to Jovia insurance brokerages

I clicked on new loan and get an error

Re: Anyone denied by Jovia?

GZG — Sat, 30 Nov 2024 04:54:08 GMT

@Snook_on_the_Line wrote:
@GZG

Where did you find that page??

I clicked my offers and all I see is a link to Jovia insurance brokerages

I clicked on new loan and get an error

yeah tools & resources -- my offers

if all you see is the brokerage crap, that just means no offers right now, I think they do their pre-approval pulls twice a year, you can check on your TU report, they're in the promotional inquries section

but on the website, they're just there in the bottom right, if you have them you'll see them, otherwise you see the brokerage thing

Re: Anyone denied by Jovia?

CerebralZulu — Thu, 12 Dec 2024 16:19:06 GMT

@Jnbmom wrote:
I know they are not fond of people who have high available limits .

I found that out. They offered me 5K. Not like the 25K I see a lot of people getting. :-(