AOD Visa Siggy Discussion Thread

[Anonymous]

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@MoneyBurns wrote:

Denied. 😥 What do these people want....? I don't even know if they're even worth trying for. Too many tradelines... Sheesh. Next it's going to "INCOME IN YOUR ACCOUNTS TOO HIGH." 😂

Oh well. I'll just apply for Discover or wait for HMBradley... They're super nice but sheesh!

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Bummer man, sorry to hear

[M_Smart007]

@MoneyBurns, Very sorry to hear this

[Credit4Growth]

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@MoneyBurns wrote:

Denied. 😥 What do these people want....? I don't even know if they're even worth trying for. Too many tradelines... Sheesh. Next it's going to "INCOME IN YOUR ACCOUNTS TOO HIGH." 😂

Oh well. I'll just apply for Discover or wait for HMBradley... They're super nice but sheesh!

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Wow,  sorry 😞 for that!

[PrimeInterest]

Anyone look at the 2020 Annual Report? Looks like net income is slightly down compared to last year - I hope they keep the card as is!

[Anonymous]

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@PrimeInterest wrote:

Anyone look at the 2020 Annual Report? Looks like net income is slightly down compared to last year - I hope they keep the card as is!

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Assets grew about 23% though which is some impressive growth for a small CU. Net income was similar to what it was in 2018, I doubt alarm bells are going off over there.

[Anonymous]

Hi, 

I recently applied for a membership to AOD FCU.  I have submitted all requested documentation.  They are asking for references (family, friend, co-worker) with the application.  

Has anyone had to provide this information?

Thanks, 

[blindambition]

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@Anonymous wrote:

Hi, 

I recently applied for a membership to AOD FCU.  I have submitted all requested documentation.  They are asking for references (family, friend, co-worker) with the application.  

Has anyone had to provide this information?

Thanks, 

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Hi, Yes. AOD is very conservative, that is a requirement of all applicants. Good luck!

[Aim_High]

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@blindambition wrote:

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@Anonymous wrote:   I recently applied for a membership to AOD FCU.  I have submitted all requested documentation.  They are asking for references (family, friend, co-worker) with the application.   Has anyone had to provide this information?

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Hi, Yes. AOD is very conservative, that is a requirement of all applicants. Good luck!

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Welcome to My Fico Forums, @Anonymous.   

Yes, that is standard for everyone.  A long time ago, this information actually used to be much more common when applying for credit.  AOD FCU is not only 'conservative' but very traditional and "old-school" in how they process applications. 

I wouldn't expect them to call your references.  They just want additional contacts in case there are problems or questions with your account and they can't reach you.

[TryN2Rebuild]

I was wondering if I don't work for one of the employer for AOD FCU can I join some how different?

Thanks

[PullingMeSoftly]

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@TryN2Rebuild wrote:

I was wondering if I don't work for one of the employer for AOD FCU can I join some how different?

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@TryN2Rebuild Yes, the most common eligibility methods are listed in Post 1:

Known successful eligibility memberships outside of geo/employment/standard eligibility:

-Northeast Alabama Bicycle Association (NEABA)

(Membership is processed through the International Mountain Bike Association IMBA, NEABA Chapter)

-United Way of East Central Alabama (limited to members rather than donations)

-Anniston Bridge Club

-Anniston Runners Club

-Calhoun Court Chambers Membership ($90 join fee)

-Purple Martin Conservation Association ($35 annual fee)