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The Anniston Tidal Wave…AOD FCU Approvals Thread

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Regular Contributor

The Anniston Tidal Wave…AOD FCU Approvals Thread

Thanks to @fiddycal for dropping the first pebble in the ocean…

 

This is an attempt to compile our wave of approvals that smashed through the walls of Anniston Ordnance Depot (AOD) Federal Credit Union. Included are the dates of approval (updated from application date to actual confirmation of approval date as posted), SL, APR, EQ5 score (which is what AOD pulls) at the time of application, new accounts ( x/6, x/12, x/24), UT, and DTI) as disclosed over the various AOD-related threads. This is specifically for the Visa Signature flat-rate 3% cash back card.

 

Hopefully this will give some helpful DP’s to those interested in applying. I’ll be happy to add in anyone who has a new approval (or confirms an app as noted below). This might be a little late, depending upon whether or not the MF rush has slowed down. Let me know if I have noted anyone’s results incorrectly.

 

(Courtesy of @M_Smart007 )

Anniston Tidal Wave.png 

 

4/7/20  Gmood1  $20,000 @ 7.49% (EQ5 744)

4/7/20  galahad15  $7,500 @ 7.49%

4/9/20  Taurus22  $20,000 @ 7.49% (EQ5 729, 0/12, 4/24, 14% UT, 24% DTI)

4/9/20  Rockysocks  $5,000  @ 8.99% (EQ5 728, 2/12, 4/24, UT 2%)

4/9/20  Hex  $15,000 @ 8.99% (EQ5 684, 1% UT, 5% DTI)

4/9/20  J_in_Minnesota  $10,000 @ 7.49% (EQ5 795, 3/12, 3/60days, <1% UT)

4/9/20  coldfusion  $20,000 @ 7.49%

4/14/20  issac2x  $5,000 @ 7.49%

4/15/20  CreditCuriosity  $20,000 @ 7.49% (EQ5 735, 20+/24, <1% UT, 30% DTI)

4/15/20  Mv350  $10,000 @ 9.99% (EQ5 669, 7/6, 13/12, 15/24, 4% UT, 22% DTI)

4/15/20  Aim_High  $25,000 @ 7.49% (EQ5 780, 4/6, 7/12, 10/24, 7.5% DTI)

4/16/20  Saeren  $5,000 @ 8.99% (EQ5 688, 2% UT, 30% DTI)

4/16/20  PullingMeSoftly  $15,000 @ 7.49% (EQ5 742, 13/12, 14/24, <1% UT)

4/16/20  blindambition  $5,000 @ 7.49% (EQ5 784, 3/6, 4/12, 5/24)

4/16/20  Hut1  $20,000 @ 9.99%  (EQ 657, 5/6, 6/12, 7% DTI)

4/16/20  mrfufoppss  $10,000 @ 9.99% + PLOC $10,000 @ 12.2% (EQ5 678)

4/17/20  JamP  $25,000 @ 7.49% (EQ5 777)

4/17/20  WorldBook  $10,000 @ 9.99%

4/17/20  PrimeInterest  $5,000 @ 7.49%

4/17/20  FettHutt  $25,000 @ 7.49%

4/17/20  Mahraja  $25,000 @ 8.99% (EQ5 725)

4/19/20  azpro  $10,000 @ 7.49% (EQ5 790, 20% DTI)

4/20/20  OthTielo  $15,000 @ 7.49% (EQ5 736)

4/20/20  AllThingsInTime  $5,000 @ 9.99% + PLoan $5000 @ 6.49% 24 mo. (EQ5 662)

4/21/20  M_Smart007  $25,000 @ 8.99% (EQ5 738, LOL/24, .01% DTI)

4/21/20  SeanBro  $10,000 @ ?%

4/21/20  bruisedcredit  $8,000 @ 8.99% (EQ5 723)

4/21/20  CJPM  $10,000 @ 7.49% (EQ5 781)

4/21/20  Rotasu  $5,000 @ 7.49% (EQ5 759)

4/21/20  snickerpedia  $20,000 @ 7.49% (EQ5 779, 18/12)

4/21/20  CBrow  $15,000 @ 7.49% (EQ5 765)

4/21/20  ChazzieT  $10,000 @ 8.99%

4/21/20  Duke_Nukem (DW)  $10,000 @ 8.99% (EQ5 709, 25% DTI)

4/21/20  nosup4u  $5,000 @9.9%

4/21/20  PNW_RN  $15,000 @ 8.9%

4/21/20  (anonymous)  $5,000 @ 8.99% (EQ5 717)

4/22/20  Hut1 (DH)  $12,000 @ 8.99% (EQ5 715, 40-60% DTI)

4/22/20  SuPeRxCaC  $25,000 @ 8.99% (5/12)

4/22/20  jdbkiang  $20,000 @ 7.49% (EQ5 758)

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)

4/24/20  Five6Two  $5,000 @ 7.49% (EQ5 774, 4/24, 10% UT)

4/24/20  hzynneb  $7,500 @ 7.49%

4/25/20  AddictedToApprovals  $20,000 @ 8.99%

4/25/20  Caught750  $15,000 @ 7.49% (EQ5 755)

4/28/20  Azurite  $10,000 @ 7.49% (EQ5 782, 2/24, <1% UT)

4/28/20  370Z  $22,000 @ 7.49% (EQ5 813, 3/24, <1% UT, ~26% DTI)

4/29/20  Chitown99  $7,500 @ 7.49% (0% DTI)

4/30/20  welovedee  $7,500 @ 9.99% (EQ5 713)

5/4/20  luckthepup  $10,500 @ 8.99% (EQ5 708, 0% DTI)

5/5/20  Revelate  $10,000 @ 7.49% (EQ5 786, 1/12, 5/24, <3% UT, <18-33% DTI)

5/5/20  kamie24240  $10,000 @ 8.99% (EQ5 723, 0/24)

5/13/20  LandifiedAZ  $20,000 @ 8.99% (EQ5 710, 3/6, 5/12, 3% UT)

5/15/20  Juanefny  $25,000 @ 8.99% (EQ5 709)

5/22/20  flyingfico  $10,000 @ 7.49% (EQ5 800+, 0/3, 1/12, 3/24, 1% UTI, ~15% DTI)

 

 

Known factors impacting approvals, limits, and APR's:

-Membership approval is required for credit products.

-If you apply for the membership and CC at the same time, you may initially receive an approval for the CC, but if denied membership, the CC will also be denied.

-Chex is pulled for membership.

-If you also apply for a personal loan, AOD uses Chex to send a data query to LexisNexis. If your LN is frozen, that will delay the personal loan app process, so be sure to thaw your LN if apping for a PLoan. (Thanks @AllThingsInTime )

-HP on EQ (EQ5) for membership, but the same pull can be used for subsequent products for 30 days.

-AOD appears to place an emphasis on DTI when considering application approvals. 

-Gross income each month is taken from a 40-hour work week. So even if you are working more hours per week (doing OT etc), they only take into consideration your 40-hour work week. (Thanks @Wavester64 )

-EQ5 scores appear to determine the APR

-Income is the primary factor for SL's

-Income verification is required when establishing membership.

-Although the most recent paystub appears to be the common form of income verification, some applicants have been asked for tax returns or W-2 (thanks for this info @Moneyfan1974 and @galahad15 )

 

Known successful eligibility memberships outside of geo/employment/standard eligibility:

-Northeast Alabama Bicycle Association (NEABA)

(Membership is processed through the International Mountain Bike Association, NEABA Chapter)

-United Way of East Central Alabama (limited to members rather than donations)

-Anniston Bridge Club

-Anniston Runners Club

 

Other possible paths for eligibility (thanks @batsy71):

-Calhoun Court Chambers Membership ($90 join fee)

-Purple Martin Conservation Association ($35 annual fee)

 

(Courtesy of @Hut1 )

AOD Unicorn.jpg

(Courtesy of @Taurus22 )

AOD Approved.png

(Courtesy of @M_Smart007 )

myFICO AOD.png












Message 1 of 347
346 REPLIES 346
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Super Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Thank you for compiling the information!
Message 2 of 347
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Frequent Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Whoa! Nice job everyone!

Personal cards:
Amex Blue Cash Preferred | Capital One Quicksilver VS | Chase Freedom VS | Chase IHG Select WMC | Discover It | NFCU CashRewards MC | US Bank Cash+ VS | Total Limits $75K
Business cards:
Amex Blue Business Cash (Hidden TL)|Total Limit $11K
HELOC $75K
In the Garden! May 2020
FICO 8 Scores: EQ 833 / EX 818 / TU 834
Will answer questions about underwriting.
Message 3 of 347
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Super Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

When you actually see all the numbers laid out... 🤯 

✌️
Message 4 of 347
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Valued Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

You can add me to the "Awaiting approval confirmation:" list. I pulled the trigger this morning.

EQ5 713

C2D2A9B9-6202-445D-A8C8-9791003C0474.png



Message 5 of 347
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Regular Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

called to double dip for a ploc

 

apparently the lending department is staying late today to do these applications and call backs lol

 

someone send them some cookies



credit hungry
Message 6 of 347
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Regular Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread


@nuohlac wrote:

You can add me to the "Awaiting approval confirmation:" list. I pulled the trigger this morning.

EQ5 713

 


@nuohlac Congrats, got it! Let us know the result












Message 7 of 347
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Frequent Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

DH EQ5 715. 😊

 

Awesome list. Congrats everyone! 







Message 8 of 347
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New Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Awww, yeah!! Fourth place!! LOL

My CL is $5,000. Smiley Happy

Message 9 of 347
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Regular Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

You can add me to the waiting for approval list, I applied for $15000, it did generate 11.89% but I don't know if that's solid or if it just generates something, says waiting on someone to review it and I'll be getting a call

 

 

 

EQ5- 677

i lost 35 points in February when my mortgage hit 

Message 10 of 347
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