topic Re: AOD Visa Signature is now available for new applicants in Credit Cards

AOD Visa Signature is now available for new applicants

phantasm — Thu, 29 Aug 2024 04:21:16 GMT

Fees, & Benefits

FEES

No annual fees
No additional balance transfer fees
No foreign transaction fees

BENEFITS

Credit Line Starting at $5,000
3% cash back earned on the first $1,500.00 spent per cycle, 1% cash back earned on amounts over $1,500.00
Rewards Automatically Posted
Fraud Protection
Same Rate for purchases and cash advances

https://www.aodfcu.com/signature-visa/

Re: AOD Visa Signature is now available for new applicants

Bockrocker — Thu, 29 Aug 2024 05:21:19 GMT

Still worthy of consideration imo. Did they stop accepting people OOS using the bike club?

Re: AOD Visa Signature is now available for new applicants

CreditCuriosity — Thu, 29 Aug 2024 09:54:30 GMT

Surprising they re-opened it back up especially if they take out of state people still which assume they will. I know car loans are in state only but always been that way.

Speculate many will go after card even with 1500 cap @ 3% = 45/mo or 2% = 30/mo over a year that is $180 difference although no sign-up bonus and capped. Guessing POI and identity steps they make people go through will keep many away for the difference though.

Re: AOD Visa Signature is now available for new applicants

unsungivy — Thu, 29 Aug 2024 12:29:09 GMT

@CreditCuriosity wrote:
Surprising they re-opened it back up especially if they take out of state people still which assume they will. I know car loans are in state only but always been that way.

Speculate many will go after card even with 1500 cap @ 3% = 45/mo or 2% = 30/mo over a year that is $180 difference although no sign-up bonus and capped. Guessing POI and identity steps they make people go through will keep many away for the difference though.

Genuinely surprised they opened it back up. Maybe it's no longer a loss leader since they capped it and raised the APR?

Oooo. Maybe they reopened the ability to get CLIs? Dangit. After I opened two cards last month... they denied me the first time for "too many new cards" in the past 12 months. But someone else go check if they reopened to CLIs? Would love to not have the "measly" 5k limit.

Can someone remind me which credit bureau they pull? It's no longer on my reports.

Re: AOD Visa Signature is now available for new applicants

RedKhaos — Thu, 29 Aug 2024 12:39:12 GMT

@unsungivy wrote:

After I opened two cards last month... they denied me the first time for "too many new cards" in the past 12 months.

How many new cards did you have? I probably won't go for it. Good card but the process sounds like a real pain.

Re: AOD Visa Signature is now available for new applicants

Wu-Credit — Thu, 29 Aug 2024 12:51:40 GMT

Tempting!

Re: AOD Visa Signature is now available for new applicants

unsungivy — Thu, 29 Aug 2024 13:26:22 GMT

@RedKhaos wrote:
@unsungivy wrote:

After I opened two cards last month... they denied me the first time for "too many new cards" in the past 12 months.
How many new cards did you have? I probably won't go for it. Good card but the process sounds like a real pain.

At least 7? CSP, BCP, MCPx2, AmEx Plat, AmEx Gold, 2nd BofA CCR (which was only 3 hard pulls btw across all of those). Depending on my CLI timing of them showing (which I don't think they were yet), might also have been Curve, Affinity, and Gemini too. 🤣 Is 10 new cards too many new cards?

AOD was an early card for me in turning this into a hobby (2021), and I got other new cards immediately following it. At 1 year I tried for a CLI (2022), after having opened other cards (the ones showing on my report were 6+ months previous to the CLI request), was denied, so grabbed a few things and went into the garden. Then I waited 2 full years for my report to be clear from 2022-2024, and was going to request a CLI again in June at 3 years. Welp. They weren't accepting. So I moved on to the next things on my list.

Re: AOD Visa Signature is now available for new applicants

ptatohed — Thu, 29 Aug 2024 16:37:52 GMT

@phantasm wrote:
Fees, & Benefits
FEES
No annual fees
No additional balance transfer fees
No foreign transaction fees
BENEFITS
Credit Line Starting at $5,000
3% cash back earned on the first $1,500.00 spent per cycle, 1% cash back earned on amounts over $1,500.00
Rewards Automatically Posted
Fraud Protection
Same Rate for purchases and cash advances

https://www.aodfcu.com/signature-visa/

Great find, thanks phant!

Re: AOD Visa Signature is now available for new applicants

NoMoreE46 — Thu, 29 Aug 2024 17:30:25 GMT

The OG AOD has been my biggest card denial/failed recon.

On the fence to try again.

Re: AOD Visa Signature is now available for new applicants

CreditCuriosity — Thu, 29 Aug 2024 17:45:33 GMT

@unsungivy equifax. Have had card for 4-5 years and also fallen off my report but someone reason hasn't fallen off my memory

Re: AOD Visa Signature is now available for new applicants

PullingMeSoftly — Thu, 29 Aug 2024 17:59:44 GMT

Too bad someone from Vantage West or Redstone wasn't at the same board meeting

Re: AOD Visa Signature is now available for new applicants

phantasm — Thu, 29 Aug 2024 19:38:54 GMT

I'm planning on having my SO join as a member and then apply for a card. At $3k/3% CB, we should be able to cover most non category expenses. This also saves me from the long and agonizing wait to join RH GC, only to have that NERF'd next year.

Re: AOD Visa Signature is now available for new applicants

FicoMike0 — Fri, 30 Aug 2024 04:03:46 GMT

So, is there a backdoor to join through some group membership? Sounds like it would be worth a hard pull!

Re: AOD Visa Signature is now available for new applicants

DoppelgangerD — Fri, 30 Aug 2024 04:12:39 GMT

Well I wasn't in a good position to try for AOD when it was new, now I kind of am but timing is horrible since I've opened 3 new cards in the last 5 months.

Sighhh...

Re: AOD Visa Signature is now available for new applicants

CreditCuriosity — Fri, 30 Aug 2024 16:27:46 GMT

@FicoMike0 wrote:
So, is there a backdoor to join through some group membership? Sounds like it would be worth a hard pull!

yes bicycle club is easiest route i still believe. Forgot if HP to join I just did both at once being membership and CC so it was an EQ hp

Re: AOD Visa Signature is now available for new applicants

PullingMeSoftly — Fri, 30 Aug 2024 21:53:06 GMT

Unless some of the eligibility requirements have changed in any way, it would be likely that most of our old DP's can still be informative to those looking for membership and the card. (The $1500 cap on spend, and the possibility that CLI's might not be available would be the big changes since the old days)

Re: AOD Visa Signature is now available for new applicants

ptatohed — Fri, 30 Aug 2024 23:44:02 GMT

@phantasm wrote:
I'm planning on having my SO join as a member and then apply for a card. At $3k/3% CB, we should be able to cover most non category expenses. This also saves me from the long and agonizing wait to join RH GC, only to have that NERF'd next year.

I've been really thinking about what you said @phantasm . That is a brilliant idea. I'm not sure why I didn't think of it. Actually I think I know why I didn't think of it. Because there is no way on buddha's green earth that mrs. ptatohed would jump through any of the hoops needed to join AOD. But..... if I promise to do 100% of the work to join, she may just go for it! The only thing I'll need her to do is take a selfie! lol

Very tempting.

Re: AOD Visa Signature is now available for new applicants

Anonymous — Fri, 30 Aug 2024 23:52:30 GMT

@ptatohed wrote:
@phantasm wrote:
I'm planning on having my SO join as a member and then apply for a card. At $3k/3% CB, we should be able to cover most non category expenses. This also saves me from the long and agonizing wait to join RH GC, only to have that NERF'd next year.
I've been really thinking about what you said @phantasm . That is a brilliant idea. I'm not sure why I didn't think of it. Actually I think I know why I didn't think of it. Because there is no way on buddha's green earth that mrs. ptatohed would jump through any of the hoops needed to join AOD. But..... if I promise to do 100% of the work to join, she may just go for it! The only thing I'll need her to do is take a selfie! lol

Very tempting.

Explain to her that this way you can make an extra $180 a year, per card, think what you can do with that. Worth any sacrifice!

(Just a semi-sarcastic reminder that without uncapped 5%, MS, or aspirational travel, even the most exciting cards are actually not all that life changing)

Re: AOD Visa Signature is now available for new applicants

ptatohed — Sat, 31 Aug 2024 00:33:48 GMT

@Anonymous wrote:
@ptatohed wrote:
@phantasm wrote:
I'm planning on having my SO join as a member and then apply for a card. At $3k/3% CB, we should be able to cover most non category expenses. This also saves me from the long and agonizing wait to join RH GC, only to have that NERF'd next year.
I've been really thinking about what you said @phantasm . That is a brilliant idea. I'm not sure why I didn't think of it. Actually I think I know why I didn't think of it. Because there is no way on buddha's green earth that mrs. ptatohed would jump through any of the hoops needed to join AOD. But..... if I promise to do 100% of the work to join, she may just go for it! The only thing I'll need her to do is take a selfie! lol

Very tempting.
Explain to her that this way you can make an extra $180 a year, per card, think what you can do with that. Worth any sacrifice!
(Just a semi-sarcastic reminder that without uncapped 5%, MS, or aspirational travel, even the most exciting cards are actually not all that life changing)

I know you are right. I've said before that on a bad day in the stock market I can lose 10 fold my annual cash back in one day, and vice versa on a good day. I think it's a hobby first and foremost for most of us, and extra spending/saving money second.

But I will say, if it were not for my SYW card, the kids would still be playing on the PS4 instead of the PS5 I got them from the $hundreds and $hundreds of points earned that I used for amazon cards. See! Life changing!

Re: AOD Visa Signature is now available for new applicants

mgood — Mon, 02 Sep 2024 14:36:38 GMT

@DoppelgangerD wrote:
Well I wasn't in a good position to try for AOD when it was new, now I kind of am but timing is horrible since I've opened 3 new cards in the last 5 months.
Sighhh...

I wasn't in a good position to try before either. I'm not in a good place at the moment. In a few months that should be different.

That one card could replace a handful of cards I currently use. I'd keep one 2% card around for when I go over the $1500 cap on the AOD.