Decided to apply for AOD, and now I am playing the dreaded waiting game.
Well good luck to you! The AOD is a great card!
It's been set on 🔥 this week in @AverageJoesCredit back yard.😂😂
It has worked every where it's been swiped without issue.
The challenges I see are high available credit vs income (i don't think it asked for income on the app!), and possibly DTI but the credit report is a lie, I paid everything but student loans off. sadly it seems nobody is going to report until the end of the month :-\
@blindambition wrote:
@dragontears wrote:
@RootDet wrote:The challenges I see are high available credit vs income (i don't think it asked for income on the app!), and possibly DTI but the credit report is a lie, I paid everything but student loans off. sadly it seems nobody is going to report until the end of the month :-\
Best of luck
You probably should have waited until your reports were updated because the lender can only go by what they see on your reports but it is too late now.
+1
Best of luck! I'd agree with this. Going through my approval, DTI was their biggest focus. As it was for most.
I suspect I should be fine. I have payoff letters from everybody but US Bank (gotta send it in the stinking mail). So if they manual review me (which it looks like they do), I can provide documentation to prove that they are paid in full. That should be the equivalent of it showing on the credit report.
@Anonymous wrote:
@RootDet wrote:Decided to apply for AOD, and now I am playing the dreaded waiting game.
Good Luck! Will be applying on Monday (after retrograde is over)!
Is it finally ending? This one has been pretty miserable... Hopefully Mercury takes some of this ridiculous heat with it too. It's not okay that it has been 90+ 20 days since June 1st!
Good luck, @RootDet! 
@Anonymous wrote:
@Anonymous wrote:
@RootDet wrote:Decided to apply for AOD, and now I am playing the dreaded waiting game.
Good Luck! Will be applying on Monday (after retrograde is over)!
Is it finally ending? This one has been pretty miserable... Hopefully Mercury takes some of this ridiculous heat with it too. It's not okay that it has been 90+ 20 days since June 1st!
Good luck, @RootDet!
I'll trade you!! It's been 108-110 for almost 2 weeks now!! 😓