The Anniston Tidal Wave…AOD FCU Approvals Thread

[PullingMeSoftly]

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@CreditCuriosity wrote:

come on all read other posts of mine in this thread 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 no listen... Not try to be a "jerk".  You all can talk about denials in 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.

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I "approve" of this message haha...but seriously thanks @CreditCuriosity for letting us be a little loose in the breadth of this thread. I realize there has been a bit of a vacuum for our various discussions with the locking of the megathread, so understandably we've been discussing those things which relate to the approval process as a whole; from provisional approval to receipt of cards, those of the flimsy sort included.

Might the other thread have been locked too soon? There still seems to be a need for the convenience of a catch-all thread that would encapsulate some of the denial DP's, card experiences, e-link and user interface with AOD, etc. I definitely don't want this thread to be locked so I appreciate your patience while we sort it out.

[PullingMeSoftly]

For further discussion about our beloved unicorn, outside of approval-related info, please use the AOD Visa Siggy Discussion Thread now posted in the Credit Cards section.

[CreditCuriosity]

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@PullingMeSoftly wrote:

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@CreditCuriosity wrote:

come on all read other posts of mine in this thread 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 no listen... Not try to be a "jerk".  You all can talk about denials in 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.

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I "approve" of this message haha...but seriously thanks @CreditCuriosity for letting us be a little loose in the breadth of this thread. I realize there has been a bit of a vacuum for our various discussions with the locking of the megathread, so understandably we've been discussing those things which relate to the approval process as a whole; from provisional approval to receipt of cards, those of the flimsy sort included.

Might the other thread have been locked too soon? There still seems to be a need for the convenience of a catch-all thread that would encapsulate some of the denial DP's, card experiences, e-link and user interface with AOD, etc. I definitely don't want this thread to be locked so I appreciate your patience while we sort it out.

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possibly might of been locked a bit to early, but didn't think people would carry on about it for 3000+ posts between all the threads.  I will be more lenient if one wants to create another thread in the CC section as long as it isn't saying I wish the card was made of metal, etc...  So if one ones wants to create another thread there it can live as long as it doesn't go into materials of card, etc..  I hate seeing approvals in the section of this thread getting bumped and pushing legit new card approvals and data points down with non-sense talk and nothing to do with an approval.  So feel free whomever if you all have another 5k questions to create another thread in CC section and it can live as long as it stays on subject and doesnt get pointless.  Hope this clarifies my concerns/position.

[Aim_High]

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@Anonymous wrote:

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. 

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@Anonymous  per the request of

Moderator @CreditCuriosity about thread

topics, I replied to your question in a

new sister thread about AOD.

Please see:

https://ficoforums.myfico.com/t5/Credit-Cards/AOD-Visa-Siggy-Discussion-Thread/m-p/6005103#M1718107

[JamP]

The mega thread went pointless because almost everything that could be discussed at that time was discussed there.

The problem is no one wants to read the mega thread so new ones get started...

Here's to another mega thread... just not this one...

Congratz to everyone that was approved.

Please keep the real data points coming until the card gets closed.

[PullingMeSoftly]

Congrats @Anonymous  $7,500 @ 9.99% (EQ5 713)

You're added...welcome to the wave, cheers!

[PullingMeSoftly]

Added 5/4/20:

@Anonymous  $10,500 @ 8.99% (EQ5 708, 0%DTI)

Congrats!

[PullingMeSoftly]

Circling back for a check-in on our pendings: @minski , @Anonymous , @kaylord84 , @mumbogray 

What's the word on the street?

[kaylord84]

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@PullingMeSoftly wrote:

Circling back for a check-in on our pendings: @minski , @Anonymous , @kaylord84 , @mumbogray 

What's the word on the street?

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Still under review

[Anonymous]

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@PullingMeSoftly wrote:

Circling back for a check-in on our pendings: @minski , @Anonymous , @kaylord84 , @mumbogray 

What's the word on the street?

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Mine still says under review and now the apr has changed to 17.99%