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Anyone denied by Jovia?

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fullstackdev
Established Contributor

Re: Anyone denied by Jovia?

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.
Rebuilding
Message 11 of 20
Snook_on_the_Line
Established Contributor

Re: Anyone denied by Jovia?

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.     

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 5k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 800



^^^Fico8 scores as of Dec ‘24

SUBs collected in past year: $1100
SUBs pending: $400


Total Revolving CL: $118,700
Message 12 of 20
Traveler101
Established Contributor

Re: Anyone denied by Jovia?


@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, 😆 

Message 13 of 20
RickNATL
Established Contributor

Re: Anyone denied by Jovia?

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

Message 14 of 20
CCrew
Regular Contributor

Re: Anyone denied by Jovia?


@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.

Message 15 of 20
thundr101
New Contributor

Re: Anyone denied by Jovia?

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.

My Starting Fico Scores:
[Fico Scores as of Nov 18 2024]:

My Fico Goal Score: 801


Take the myFICO Fitness Challenge
Message 16 of 20
GZG
Valued Contributor

Re: Anyone denied by Jovia?


@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: 

 

image.png

 

Starting FICO 8:
Current FICO 8:


0/6, 2/12, 7/24
Message 17 of 20
Snook_on_the_Line
Established Contributor

Re: Anyone denied by Jovia?

@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

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 5k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 800



^^^Fico8 scores as of Dec ‘24

SUBs collected in past year: $1100
SUBs pending: $400


Total Revolving CL: $118,700
Message 18 of 20
GZG
Valued Contributor

Re: Anyone denied by Jovia?


@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 

 

image.png

 

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

 

image.png

Starting FICO 8:
Current FICO 8:


0/6, 2/12, 7/24
Message 19 of 20
CerebralZulu
Frequent Contributor

Re: Anyone denied by Jovia?


@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. :-(


Message 20 of 20
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