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AOD FCU VISA Signature Approval!

blindambition
Senior Contributor

AOD FCU VISA Signature Approval!

Hey FICO Fam,

I didn't last but a month in the garden. That was for DCU Platinum for a nice 10% APR, for future BT. They later lowered my rate to 8.5%. Thought I was planted awhile!!

After a 2 week hiatus, I came back to this fantastic AOD FCU thread. After reading 40 something pages, I couldn't resist. DP show this to be a little gem of a CU. Looking forward to building a relationship with them.

I applied for membership yesterday. With a Savings and a 3% Visa Signature. My initial app got stuck in system, but they canceled and new app completed late afternoon.

I was approved for membership, Savings and Visa Signature this afternoon. SL of 5K and 7.49% APR. I'm low income in low 20's, so limit is fair.

My DP are as follows; Pulled EQ 5 at 784. 3 new cards in 6 months, 4 in 12, and 5 in 24.

I had 3 INQ on EQ, 2 on EX and 3 on TU.

My apping days are over until 21. I need to make room for US Bank Cash Plus. Need some accounts to age!!

Proud member of App-A-Holics Anonymous!

E35D8934-93CB-4831-ACC5-7CFC2C09F533.png

 

Message 1 of 45
44 REPLIES 44
AllZero
Mega Contributor

Re: AOD FCU VISA Signature Approval!

Congratulations on your approval!
Message 2 of 45
Mahraja
Valued Contributor

Re: AOD FCU VISA Signature Approval!

CONGRATS @blindambition ... Another victorious warrior..glad you are on the bus ...Smiley Very Happy

Profile Worth 1.7M+
___________R.a.j
"Be Stronger Than Your Strongest Excuse"
Message 3 of 45
blindambition
Senior Contributor

Re: AOD FCU VISA Signature Approval!


@AllZero wrote:
Congratulations on your approval!

Thanks AZ! It was 50/50 on who responded first. Your support and friendship are greatly appreciated. 🤗 

Message 4 of 45
blindambition
Senior Contributor

Re: AOD FCU VISA Signature Approval!


@Mahraja wrote:

CONGRATS @blindambition ... Another victorious warrior..glad you are on the bus ...Smiley Very Happy

Thanks Raj!! I learn from the masters!! *bow*


 

Message 5 of 45
AverageJoesCredit
Legendary Contributor

Re: AOD FCU VISA Signature Approval!

Congrats @blindambition 

 

Thats my kind of approvalSmiley Happy

Message 6 of 45
Anonymous
Not applicable

Re: AOD FCU VISA Signature Approval!

You and I are the lowest income approvals so far. It's awesome to see another LI friendly CU on the block. Congrats again my friend!

 

I also thought about it and if US Bank doesn't want to give me the Cash+ with my next app I'm just gonna start chasing SUBs again. If I maxed out all 4 quarters on the Cash+, which won't ever happen, I would add $160 more to my wallet than using my AOD card for the same purchases. As it stands right now I would be looking at $52 more this year plus the $150 SUB. 

Message 7 of 45
Steve891
Senior Contributor

Re: AOD FCU VISA Signature Approval!

Congrats on your new AOD FCU VS card!




Message 8 of 45
thornback
Senior Contributor

Re: AOD FCU VISA Signature Approval!

Congratulations!!   Very nice Smiley Wink

 

 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 9 of 45
blindambition
Senior Contributor

Re: AOD FCU VISA Signature Approval!


@AverageJoesCredit wrote:

Congrats @blindambition 

 

Thats my kind of approvalSmiley Happy


Thanks AJC!! Us low income have to represent. Showing we have possibilities too!!

Robot Very Happy

Message 10 of 45
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