AOD FCU Denial 685 FICO 5 Thin File Recent Delinq

[Anonymous]

@Anonymous  Thanks for the correction. You're right.

The secured card is 7.2% fixed. That's a great deal. 

https://www.aodfcu.com/credit-cards/

[Anonymous]

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@Anonymous wrote:

@Anonymous  Thanks for the correction. You're right.

The secured card is 7.2% fixed. That's a great deal. 

https://www.aodfcu.com/credit-cards/

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Yeah that's among the best I've ever seen. We have a CU here in CO that has 4.9% fixed on their secured card but their geofence limits the card only to people who live in CO. The AOD one is likely the best one I've seen that anyone can find a path to eligibility for. 

[M_Smart007]

Sorry for your AOD denial

[Meanmchine]

Sorry for your denial

[EverForward]

@Anonymous Is that 4.9% secured card at Arapahoe CU?  They seem like they only have a few branches but I've driven by them before.

[Anonymous]

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@EverForward wrote:

@Anonymous Is that 4.9% secured card at Arapahoe CU?  They seem like they only have a few branches but I've driven by them before.

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Yep, it's Arapahoe. They seem like they have decent offerings but their website really puts me off. If their regular card was 4.9% fixed I would be all over it (although 9.9% and 12.9% fixed rates aren't terrible either) but I don't want to deal with outdated tech unless I'm getting something unique from it. The addition of AOD now means I have two sub-9.99% cards. 

[Eagered2succeed]

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@EverForward wrote:

Thank you @Anonymous !!!  Even my $300 NFCU nRewards is 18%... I PIF so no harm.  I use my $500 Cap1 more often as it has more capacity to cover my shopping at SamsClub, then I leave $10-20 on the card at statement cut so I'm <3% debt.  

I'd kinda like to get one more card to strengthen my revolver profile.  I'll likely wait 4+ months before I ask NFCU for a 2nd card, I'll let my nRewards auto graduate, whenever, but I was thinking maybe a $500 AOD Share Secured card might strenghen my thin profile.

My other FI, 1stBank, has a securd card program, not keen on them right now, and pondering on making a switch, maybe BOA.  They have a secured card program too , but havn't betting AOD is a safer bet, not sure.

Thank you for the support, I do realize this is a long game, getting closer to making a decision.

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If you don't decide to go with AOD I highly recommend the BOA secured card. You can get it in the rewards form and possibly get it partially secured. I started with a secured card from NFCU and BOA 5 years ago and that same secured trade-line is now at 60K(sure it can be higher but dont want to poke the bear as that is more than enough). Also there are Bankamerica deals on the card that can get you even more rewards.

[Anonymous]

@Eagered2succeed 

Thanks so much for the BofA secured card tip.

The partial secured card that you're talking about

is the 99/500 card ($99 deposit for a $500 SL).

It's a terrific card if you can get it, and typically it

graduates within 12 months. When I applied for it

back in the day, I got turned down. So I got the USAA

secured card (no longer offered) instead. Thanks again

for sharing. Let's hope things work out for @EverForward 

[AllZero]

That's unfortunate about your denial. I hope you get better luck next time.

[Anonymous]

Thanks all! I went for the recon today and couldn't really help my case. She essentially said try again when the charge off I have from 2013 falls of in a few months.