AOD Visa Siggy Discussion Thread

[Aim_High]

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@Wavester64 wrote:

Thinking by now a first statement was cut - has the 3% cash back been a smooth process?

Or do you have to wait more than one statement to get the 3% back on spending?

One thing Capital One definitely does right - within 24-48 hours the cash back is there for
you use immediately or build up.  

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I don't love everything about any one lender but Capital One and Discover made cash redemption so easy that they spoiled us.  That is certainly one thing Capital One does well.  It seems more of those minimum redemptions are finally easing up with some lenders like Bank of America, who changed their redemption on Cash Rewards last year.  And I think even PenFed used to be $5, now is a penny.  Minimum redemptions definitely make it more cumbersome and frustrating to get your money. 

[CreditCuriosity]

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@Anonymous wrote:

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@Wavester64 wrote:

Thinking by now a first statement was cut - has the 3% cash back been a smooth process?

Or do you have to wait more than one statement to get the 3% back on spending?

One thing Capital One definitely does right - within 24-48 hours the cash back is there for
you use immediately or build up.  

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There were initial reports a while ago, the 3% is just painlessly credited automatically as statement credit, no redemption process needed

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This is correct.. worked effortless..

[Gmood1]

I'm sure I've missed it and someone else posted it. Does anyone notice AOD doesn't report to TU?

[Duke_Nukem]

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@Gmood1 wrote:

I'm sure I've missed it and someone else posted it. Does anyone notice AOD doesn't report to TU?

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I was going to ask the same thing... haven't seen it report to TU yet.  Pulled a VS3 report from CapOne this morning and nada.

DW was approved around 4/21 and EX reported quickly followed by EQ about first week of May I think.

[Anonymous]

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@Gmood1 wrote:

I'm sure I've missed it and someone else posted it. Does anyone notice AOD doesn't report to TU?

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I was wondering about that too. Its fine with me if they don't but I am sure it will show up soon. 

[CreditCuriosity]

Never noticed it not reporting on TU.. Suppose kinda like the fruit card only reporting TU and nothing else shrug and my HSBC not reporting on TU.  No lost sleep

[Anonymous]

Is that good or bad?

[Anonymous]

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@Anonymous wrote:

Is that good or bad?

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It depends on your credit profile needs!

Not reporting has two impacts:

1) Line of credit doesn't show up.    This impacts AAoA (in a good way when the card is new, perhaps negatively once the card is older than most of the other cards).    It also means a TU puller thinks you have less recent credit than you do, which can also be positive

2) Assuming your payment history is positive, this doesn't reflect on TU, which can lower the score on that agency.

[Gmood1]

@CreditCuriosity 

😂

Yeah, I have a couple that don't report to all the CBs.

Blispay only on EX, Banco Do Brasila only on EQ and EX. And now AOD only on EQ and EX. 

No biggie, there's enough on those other two CRs anyway.😆

[Anonymous]

Yeah I am actually not bothered by it at all. TU is my only BK-free report so the longer it takes to report, the less of a hit I will take for resetting my AoYRA.