AOD Visa Siggy Discussion Thread

[Gmood1]

@digitek 

Nothing to add about the webpage set up or app.

Just make sure if you set up auto pay with AOD. Don't make any extra payments.

The system will still process the original statement or minimum  balance. Whichever you selected, when originally setting up autopay.

It doesn't cancel or minimize payments, like some of the more up to date systems.

[DeschutesMyVaronis]

Does anyone know how AOD responds to old lates? I have one 90 day late left on EQ from an old student loan paid in full. I'm just debating whether to take a shot next week before current sign up promo ends or wait a month or two for the late to age off. My EQ FICO5 is 722 although I think this was prior to 4 other student loan lates finally aging off this month (so close to non-dirty file). At this point I doubt they were affecting my score too much so probably pretty minimum change. Other EQ DPs: 3% UT, 2.5% DTI, INQ 3/12, AAoA 3yr, AoOA 9yr, 1/6, 1/12, 3/24.  Based on approvals thread DPs, I seem to meet other requirements like desired income source and <30 revolvers.

[JNA1]

---

@Aim_High wrote:

---

@digitek wrote:

What does the web interface and web app look like? Are they outdated and jinky or more modern?

I am asking because I went to pay my SDFCU card today and their website integration is all messed up. They outsource the card to another company and the way they are tied together has always been shaky, but now it is all messed up. Haven't been able to redeem rewards for about a month now. It has always been strange when paying from an outside account and can't set up true auto-payment.

Can you setup autopay from an outside checking account for the AOD card? If you were to rate the CC website/phone app, where would it land?

Thanks for any feedback. Looking for something a little more consistent, not outsourced.

---

I'm no tech expert, @digitek, but I'll give you my comments and feedback.  The AOD website and phone app have been overall very stable and dependable for me with no major issues.  It's not super-modern and flashy like you might get with the big banks, but I don't expect that from a small credit union.  Still, it's relatively modern, IMO.  It doesn't reek of 1995 technology. 

When you log in, you get the account home page that shows your banking accounts and cards.  Clicking on the account buttons across the top opens that account for more details.  The credit card account page just shows a summary.  For more details or to make payments, click on the AOD Visa Credit button.  That automatically opens a page to an outside website; you're already logged in.  (See bottom two images.)  With a little research, I learned something.  There is an organization called PSCU which stands for Payment Systems for Credit Unions.  It was founded in 1977 in Florida and is the largest credit union service organization in the US, servicing financial processing for more than 1500 credit unions.   AOD FCU apparently uses PSCU for their services.  Again, as a smaller credit union, I don't look down on them for outsourcing this function.  Like the AOD website, it's not flashy or ultra-modern but it's stable and works just fine.  This is the website where you can set up one-time or automatic payments, or access other card controls or functions. 

I also noted that the overnight mailing address is to PSCU in St Petersburg, FL, where they were founded.  And the regular mailing address goes to Charlotte, NC.  I had never noticed this since I pay electronically. 

Yes, you can set up autopay from outside accounts and it's been very reliable for me. 

Redeeming rewards is automatic with AOD FCU.  Your monthly credits are automatically deducted from balance due, so managing rewards is a no-brainer. 

I've been equally satisfied with AOD's mobile apps.  Basic but reliable mobile apps. 

In summary, while the card payment services are outsourced, they have been dependable and I wouldn't let that prevent you from applying for this card. 

---

Agreed! Their apps have been adequate for me and very reliable. I've used online messaging several times, and they the account managers handle questions. They've been knowledgeable and very helpful for me. 

[Anonymous]

---

@Gmood1 wrote:

@digitek 

Nothing to add about the webpage set up or app.

Just make sure if you set up auto pay with AOD. Don't make any extra payments.

The system will still process the original statement or minimum  balance. Whichever you selected, when originally setting up autopay.

It doesn't cancel or minimize payments, like some of the more up to date systems.

---

Yea this is the one thing that annoys me about my AOD card. I have compensated for it by adding an additional $25 to cover the minimum payment each month in my budget. I don't trust automation enough to let auto pay take the statement balance when due so I will always pay my cards manually. 

[Anonymous]

---

@Mr_Mojo_Risin wrote:

---

@Anonymous wrote:

---

@Aim_High wrote:

---

@Duke_Nukem wrote:

---

@ficobuilder923 wrote:

Anyone know if AOD only reports your statement balance or current balance to Credit Agencies? For example, my statement balance is $3 but current balance is $1000. Would the $1000 balance report or $0 if I paid off the statement balance? Trying to keep my utilization low but don't want to pay more than I should because I'm trying to pay off some other debts.

I'm trying to call them b/c credit card services said to call them locally because they don't know. I try calling the local number and they say they're closed (which is odd because many of their branches are open on Fridays). 

---

AOD will report whatever balance is on your account the day of statement closing, minus the 3% rewards earned from that statement closing.

---

To clarify, and this isn't specific to AOD FCU, the Statement Balance is the balance due as of the last statement closing date. It has already been reported to the CRB.  The Current Balance is the total payoff amount on the account, plus any trailing interest charges that may be accruing. It may change daily throughout the month. The statement balance only changes once per month.  The Current Balance, less any mid-cycle payments or credits (such as the automatic 3% cash back credits,) will become the new Statement Balance at the next statement closing date.  So the full $1,000 (less mid-cycle payments and 3% credit on new charges) will report. 

If you always pay-in-full, that $1000 isn't due before it reports on the statement and won't accrue new interest charges unless you don't pay it all by the due date. But if you're trying to minimize what reports, you need to make early mid-cycle payments before the statement cuts. 

---

@Aim_High Great breakdown! I think I'll put a link to that post in the Scoring Primer!

---

When it comes to explanations and breakdowns, not many can hang with @Aim_High 

This would definitely be a nice addition to the Scoring Primer, many new members and existing have questions about their statements.

---

Link added in post 7 of SP!

[Duriel]

Edit: Application did submit successfully.

Applied tonight. Website errored near the end of the application. Credit karma thinks I'm house shopping in an email alert so they pulled credit. It showed an apr of 8.99% when I went to request my limit. Conditionally approved? Will update when I know more. 

[fatcomic]

---

@Duriel wrote:

Applied tonight. Website errored near the end of the application. Credit karma thinks I'm house shopping in an email alert so they pulled credit. It showed an apr of 8.99% when I went to request my limit. Conditionally approved? Will update when I know more. 

---

Possibly, the app will still go for manual review and membership approval.  However, expect them to come back with a lower approved limit.   I think the days of $20,000-$25,000 approvals are over, most are $5,000 lately.  

[Duriel]

I'd be okay with 5000. I'm not one of the aggressively high earning people on here. I'm never going to swipe a card for 20k in one go. 5000 is a reasonable option for most people. 

[MoneyBurns]

So I decided to try and bag the unicorn again this morning.

So is "Pending Follow-Up" better than "Under Review?"

I listed DoorDash as Self-Employment and I make around $750 or so a week (29 hours a week for the last few weeks consistantly). I chatted with one of the CSRs before I app'ed and they said if I provide an offical sheet that states I am an independent contractor with them, along with my weekly earnings and bank statements that receive the direct deposit, it will absolutely count as income. So for anyone working with Uber, Lyft, Grubhub, DoorDash, etc., just get an offical sheet from them by emailing them and you should be okay.

I think?

Hopefully this time they'll approve me.

[Credit4Growth]

---

@MoneyBurns wrote:

So I decided to try and bag the unicorn again this morning.

So is "Pending Follow-Up" better than "Under Review?"

I listed DoorDash as Self-Employment and I make around $750 or so a week (29 hours a week for the last few weeks consistantly). I chatted with one of the CSRs before I app'ed and they said if I provide an offical sheet that states I am an independent contractor with them, along with my weekly earnings and bank statements that receive the direct deposit, it will absolutely count as income. So for anyone working with Uber, Lyft, Grubhub, DoorDash, etc., just get an offical sheet from them by emailing them and you should be okay.

I think?

Hopefully this time they'll approve me.

---

I will pass this on... I know a guy who knows a guy that is interested!

Good luck 👍 to you!