Yep, AOD still hanging around with their 3% Visa Signature card. It was a long process capturing that Unicorn last Spring for everyone, but I felt up to the challenge. Would I do it again? NO! 
My DW nabbed the Unicorn card last April, and I don't like being an AU. So after closing on the mortgage and applying for a few cards (one was a USB GO denial that later reconned an approval), I decided to go on a hunt for my very own Unicorn. I "cheated" by using my DW as my foot in the door, so no biking in Crimson Tide or War Eagle land required this time around.
3 weeks later, I finally get approved for the Unicorn! Evidently, AOD is absolutely slammed with everyone else "on the hunt" along with the $50 SUB they are offering. Based on my member # versus my DW's member #, AOD has added 5,000 members in the past 9 months!
After signing more paperwork and answering more questions than my mortgage closing required (not really, but pretty close), I got a $5,000 SL and APR at 7.49%. I think I may have taken a hit to the SL due to my new DTI ratio with the mortgage, but I'll live with it.
DP's:
- Pulled EQ, and my EQ 5 was 725 at time of pull (ETA: found the number in my docs)
- Listed as co-owner on DW's savings/checking accounts
- UTI = below 1% ($16 / $59,850 CL)
- 4 CC's and 1 AU CC
- 1 auto loan, UTI = 15%
- Scoreable inquiries = 4/6, 4/12 (3 are listed as mortgage HP's, so FICO counts them as 1)
- AAoA = 6yr 0m
- AoOA = 12yr 1m
- AoYA = 1yr 10m
- BK7 from 2012
Congratulations on your approval! Thank you for sharing the data points!
Congratulations on power driving forward and latching on to the AOD unicorn card!
