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AOD Nerf has come

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coldfusion
Credit Mentor

Re: AOD Nerf has come


@ptatohed wrote:

I have not received my letter yet.  I am pretty far away geographically (S. CA).  And I did get my card a little later in the open app period (Fall '21) if they happen to be sending out batches of letters in order of account length.  cf (@coldfusion ),  are you saying there is an information section on the AOD website that would indicate that they sent out a letter?     

 

CC ( @CreditCuriosity ), are you seeing that a letter was sent on the AOD website?  


I got in right when the storm surge was starting during the FOTM exercise.

 

Since I hadn't received anything in the mail from them yet and Informed Delivery didn't show anything from them again today I logged onto the website and drilled arount to see if I could find something, without success.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 91 of 155
ptatohed
Senior Contributor

Re: AOD Nerf has come


@coldfusion wrote:

@ptatohed wrote:

I have not received my letter yet.  I am pretty far away geographically (S. CA).  And I did get my card a little later in the open app period (Fall '21) if they happen to be sending out batches of letters in order of account length.  cf (@coldfusion ),  are you saying there is an information section on the AOD website that would indicate that they sent out a letter?     

 

CC ( @CreditCuriosity ), are you seeing that a letter was sent on the AOD website?  


I got in right when the storm surge was starting during the FOTM exercise.

 

Since I hadn't received anything in the mail from them yet and Informed Delivery didn't show anything from them again today I logged onto the website and drilled arount to see if I could find something, without success.


Oh, ok, thanks.  I guess I don't know what Informed Delivery means then.  I thought you were referring to something on AOD's site.  Never mind!  Smiley Happy  

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 92 of 155
GZG
Senior Contributor

Re: AOD Nerf has come


@ptatohed wrote:


Oh, ok, thanks.  I guess I don't know what Informed Delivery means then.  I thought you were referring to something on AOD's site.  Never mind!  Smiley Happy  


'informed delivery' is where you can see images of your upcoming USPS mail, you can have it send you an email everyday showing the front of your mailpieces

Starting FICO 8:
Current FICO 8:



4/6, 4/12, 8/24 new accounts
Message 93 of 155
CreditCuriosity
Moderator Emeritus

Re: AOD Nerf has come


@ptatohed wrote:

@coldfusion wrote:

@ptatohed wrote:

I have not received my letter yet.  I am pretty far away geographically (S. CA).  And I did get my card a little later in the open app period (Fall '21) if they happen to be sending out batches of letters in order of account length.  cf (@coldfusion ),  are you saying there is an information section on the AOD website that would indicate that they sent out a letter?     

 

CC ( @CreditCuriosity ), are you seeing that a letter was sent on the AOD website?  


I got in right when the storm surge was starting during the FOTM exercise.

 

Since I hadn't received anything in the mail from them yet and Informed Delivery didn't show anything from them again today I logged onto the website and drilled arount to see if I could find something, without success.


Oh, ok, thanks.  I guess I don't know what Informed Delivery means then.  I thought you were referring to something on AOD's site.  Never mind!  Smiley Happy  


you can log into usps and informed delivery basically scans all you mail for you several hours before it is delivered through basically a scanner and you willl get an email daily of what to expect.  Not what is inside letter, but whom it is from and can take educated guess whether a new CC or in this case a nerf letter for AOD.  Very cool feature.  I would suggest setting it up as it is free.

Message 94 of 155
ptatohed
Senior Contributor

Re: AOD Nerf has come

That sounds awesome.  Thanks guys!  Smiley Happy

 

Can you go back in time?  I want to track down that Golden Corral Cardcash gift card I never received!!, lol.  

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 95 of 155
Wavester64
Valued Contributor

Re: AOD Nerf has come


@northway wrote:

The writing was on the wall for a long time coming. Now to see how long it takes Redstone to nerf their card too.


Eek, don't say that, I just got it and haven't even gotten my 1st statement yet Smiley LOL






Potential Future Cards

Closed Accounts
Message 96 of 155
Rockysocks
Frequent Contributor

Re: AOD Nerf has come

Although this is a bummer of a nerf, I am grateful they held strong for this long and, now, since monthly spending @3% caps at $1,500, and everyone's interest rates (unless I read it incorrectly) are increasing from fixed 7.49%/8.99% to variable 17+%, hopefully we'll be fortunate enough to have this card in its current state for many years to come. Smiley Happy

Message 97 of 155
Wavester64
Valued Contributor

Re: AOD Nerf has come

Eek! Just got my notice in the mail Smiley Sad

 

It's been a rough AOD year for me (see here for my story)






Potential Future Cards

Closed Accounts
Message 98 of 155
unsungivy
Valued Contributor

Re: AOD Nerf has come


@DoppelgangerD wrote:

@ptatohed wrote:

@DoppelgangerD wrote:

For those of you with this card, I'd love to know what you're spending more than 1500 a month on that can't already be beaten by other cards.

 

 All online spend (unless it's amazon, target, Walmart, sometimes paypal, at 5%). 

 

//SNIP//

 

Other one time larger on-line purchases like my home theater chairs, receiver, projector, etc.  A few months ago, we bought a $2500 sectional at Mor.  And so on.  Smiley Happy


Thank you so much for all the details, and great examples of non-cat spending.


Uh, but those are NOT non-category spending.

 

Most of those purchases fall under the "Online Shopping" category, which can be covered with cards from 3%-5.25%

 

Furnishings also are likewise covered by 3%-5.25% if chosen as a category (Home Improvement & Furnishings).

AU - Biz - Sock -
Debit Cards - Chopping Block -
Message 99 of 155
Anonymous
Not applicable

Re: AOD Nerf has come


@unsungivy wrote:

 

Most of those purchases fall under the "Online Shopping" category, which can be covered with cards from 3%-5.25%

 

Furnishings also are likewise covered by 3%-5.25% if chosen as a category (Home Improvement & Furnishings).


Are any cards with 3+% multipiers uncapped?   I can think of 3% on Paypal as an example,but not all merchants support paypal.

Message 100 of 155
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