The Anniston Tidal Wave…AOD FCU Approvals Thread

[Aim_High]

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@Gmood1 wrote:

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@Anonymous wrote:

The amount was 7.5k and the explanation was multiple existing high limit cards.

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Good thing I jumped in when I did!  They probably would have denied me

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Dang, they are conservative at heart! 

I don't think I've ever seen that reason even though it could apply to me.

I'm also very glad I jumped in when I did!!  

I got one of the only $25K limits right off the bat. 

Sometimes, timing is everything.

[Rockysocks]

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@AlpedHuez wrote:

I'm a little perplexed as to why some think they are getting tighter with their reviews. From all the datapoints submitted, it seems like they are approving people who  have good profiles that any other lenders would also approve for (700+ credit scores, low DTI, good income, etc.). They haven't/aren't handing out 20k limits like candy (going by the datapoints supplied).

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Also, I applied near the beginning of this whole ordeal, and after my rep told me he couldn't approve me because my DTI was too high, he offered to get me approved with a cosigner (which he did). There's been several people following me that were straight up denied because of DTI, I'm assuming without being given the cosigner option.

[snickerpedia]

Ok so for those of you who received your AOD card was the return address from a P.O. Box in Omaha ne??? Or did it have an big AOD logo on it lol??

i see something juicy in my informed delivery and patience is definitely not one of my virtues!!

[CreditCuriosity]

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@snickerpedia wrote:

Ok so for those of you who received your AOD card was the return address from a P.O. Box in Omaha ne??? Or did it have an big AOD logo on it lol??

i see something juicy in my informed delivery and patience is definitely not one of my virtues!!

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omaha card comes from no aod on envelope

[snickerpedia]

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@CreditCuriosity wrote:

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@snickerpedia wrote:

Ok so for those of you who received your AOD card was the return address from a P.O. Box in Omaha ne??? Or did it have an big AOD logo on it lol??

i see something juicy in my informed delivery and patience is definitely not one of my virtues!!

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omaha card comes from no aod on envelope

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THANK YOU @CreditCuriosity --- I can relax now until my mailman comes!!

[Anonymous]

I was asked for income docs above and beyond the pic of a check stub. I was asked for W2 or tax returns. I sent them my 1099 which is only half of my declared income because my wife and I are both Realtors and we split our income. I was then told they were declining me due to dti issues. My utilization is about 10% so not sure what they are looking at? 
Good luck. 

[Wavester64]

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@Wavester64 wrote:

I am curious if anyone from the 4/23 CREW got their card yet  

4/23/20  nuohlac  $15,000 @ 8.99% (EQ5 713)

4/23/20  Eagered2succeed  $8,000 @ 7.49% (EQ5 727)

4/23/20  Zander900  $7,000 @ 8.99%

4/23/20  Wavester64  $5,000 @ 8.99% (EQ5 691)

@nuohlac @Eagered2succeed @Zander900 

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To the 4/23 crew - just checked the mailbox, nothing here. 

[snickerpedia]

Got my card - they must have ran out of the ones with gold and this one is flimsy, thin and hideous. 

perhaps I'll request a replacement in few months see if the go back to the old style

[Rockysocks]

Can anyone with the "cheap, flimsy" cards post a picture for comparison?

[CreditCuriosity]

Come on all read the other posts of mine in this thread.  It is meant to be about approvals not about flimsy cards, not wanting to provide w-2's etc...  This thread will be locked very shortly if people continue to not listen... Not trying to be a "jerk".  You all can talk about denials in the application section, questions about benefits in CC section and card materials in smorgsboard.  This is meant for approvals.   This is the last time I will ask.  Thank you.