Anyone denied by Jovia?

[fullstackdev]

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.

[Snook_on_the_Line]

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.     

[Traveler101]

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@Jnbmom wrote:

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

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 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, 😆 

[RickNATL]

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

[CCrew]

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@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

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

[thundr101]

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.

[GZG]

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@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?

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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: 

[Snook_on_the_Line]

@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

[GZG]

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@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

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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

[CerebralZulu]

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@Jnbmom wrote:

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

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