@Anonymous My AOD PLOC is on all 3 CB so I would say dont Panic Because they Definitely Report to TU my credit card hasnt reported at all yet on any CB im assuming on the 20th
In honor of the IMBA/NEABA backdoor:
I didn't get statement credit on my first statement, so it must carry onto the next statement?
Statement for $100 so I paid $100..
How has everyone else's 3% being applied?
@Anonymous wrote:
@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.There were initial reports a while ago, the 3% is just painlessly credited automatically as statement credit, no redemption process needed
@Anonymous wrote:
@Anonymous wrote:Is that good or bad?
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.
I think at this point a TU puller not named Sync or Barclays may be harder to find than our former unicorn 3% default these days.
@Anonymous wrote:What other products do they offer that are worth it? Someone else asked and I've tried looking through threads and haven't found a thing about it...
What else does AOD FCU offer?? 
Well, that 3% uncapped uncategorized card at 7.49% with no AF is a pretty special deal. I'm happy just to get that! I don't know of any other card out there that can beat that offer right now in terms of a CASH reward payout combined with such a low fee. If you're looking for a dozen or more cards like you'd get with Chase or AMEX, you won't find that here. They are just a small community credit union. They only offer three cards including the Signature: all Visas, one is secured, and the other one only gives 1% rewards. So the 3% card is their cream-of-the-crop.
That said, credit unions offer a lot that banks can't or won't. See screen shots below. Like some of my other credit unions, they pay bonus dividends on deposits. Kasasa Cash Checking pays 2.5% interest on up to $20K in deposits with a few stipulations. Low interest rate loans.
Check out the full website at https://www.aodfcu.com/
@Aim_High wrote:
@Anonymous wrote:What other products do they offer that are worth it? Someone else asked and I've tried looking through threads and haven't found a thing about it...
What else does AOD FCU offer??
Well, that 3% uncapped uncategorized card at 7.49% with no AF is a pretty special deal. I'm happy just to get that! I don't know of any other card out there that can beat that offer right now in terms of a CASH reward payout combined with such a low fee. If you're looking for a dozen or more cards like you'd get with Chase or AMEX, you won't find that here. They are just a small community credit union. They only offer three cards including the Signature: all Visas, one is secured, and the other one only gives 1% rewards. So the 3% card is their cream-of-the-crop.
That said, credit unions offer a lot that banks can't or won't. See screen shots below. Like some of my other credit unions, they pay bonus dividends on deposits. Kasasa Cash Checking pays 2.5% interest on up to $20K in deposits with a few stipulations. Low interest rate loans.
Check out the full website at https://www.aodfcu.com/
Sorry. That's what I meant. What aside from the credit card (s) do they offer that is worth it 
that checking account really is nice. Too bad you have to do 12 debit card transactions per month to get that. I only use my debit card to withdraw at an ATM whenever I need cash.