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AOD Visa Siggy Discussion Thread

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Super Contributor

Re: AOD Visa Siggy Discussion Thread

Right that's the one @Aim_High  was talking about and I was clarifying that that's not the one we were talking about, I believe. 

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 521 of 531
Highlighted

Re: AOD Visa Siggy Discussion Thread

i finally received my AOD Credit Card Smiley Happy

 

very exciting, i know

 

they spelled my name wrong Smiley Frustrated

 

EDIT: i double checked and my name is spelled correctly on all applications

Message 522 of 531
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Established Contributor

Re: AOD Visa Siggy Discussion Thread


@WalMartTrackSuit wrote:

i finally received my AOD Credit Card Smiley Happy

 

very exciting, i know

 

they spelled my name wrong Smiley Frustrated

 

EDIT: i double checked and my name is spelled correctly on all applications


Congarts! 😉😂🤷‍♂️

My credit card journey started 3/2018






Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $25000 CL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $8000 CL- 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1600 CL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL (DW’s) 5% general (6 mos)
BBVA Clear Points (DW’s) $10,000 SL - 3% retail
NFCU More Rewards - $3000 SL (DW’s) 3% Restaurants
AOD Signature VISA - $5000 SL - 3% errthang! Smiley Wink
Total CL - $104300

Cash Back and SUBs earned as of 6/1/20 - $2752.01

In the garden lettin’ ‘em grow!

CU Memberships






FICO 8 Scores as of 7/12/20
754 Experian, 763 TransUnion, 758 Equifax , FICO 9 Experian 770

Goal cards:
Message 523 of 531
Highlighted
Valued Member

Re: AOD Visa Siggy Discussion Thread

I accidentally applied. I opened application thinking to see what do I need to fill it. I wasn't intending to apply now because my profile is too young and I had recent inquiry that was declined. Thought may be DH should apply. Well I went to where youSmiley Surprised choose your CL and then untill when it was the last section in the application "wrap up" or something. And then I logged out. But turned out that I actually applied because I got HP alert! Don't know what to do now 

FICO® Score 8 EX: 725
FICO® Score 8 EQ: 746
FICO® Score 8 TU: 786
(8/2020)


I am at the 8th month of my credit journey
Total CL: $18,500
Closed: Cap1 Secured
Recently removed myself as AU from Citi card and my scores dropped: EX (-49), EQ (-78), TU (-12)
Message 524 of 531
Highlighted
Valued Member

Re: AOD Visa Siggy Discussion Thread

Is it normal that it was submitted without "submit" button? Anybody experienced something like that before?

 

And I didn't "wrap up". Sitting now too confused to call them and ask. Logging back to check my application status I see what everybody had after applying and submitting - under review. Guys was there submit button in the application?

FICO® Score 8 EX: 725
FICO® Score 8 EQ: 746
FICO® Score 8 TU: 786
(8/2020)


I am at the 8th month of my credit journey
Total CL: $18,500
Closed: Cap1 Secured
Recently removed myself as AU from Citi card and my scores dropped: EX (-49), EQ (-78), TU (-12)
Message 525 of 531
Highlighted
Super Contributor

Re: AOD Visa Siggy Discussion Thread

Maybe it was meant to be, keep your fingers crossed.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 526 of 531
Highlighted
Valued Member

Re: AOD Visa Siggy Discussion Thread


@Birdman7 wrote:
Maybe it was meant to be, keep your fingers crossed.

Yes thank you! I added my husband as "beneficiary " in the app. I hope it means that it is jount application, but I don't know. I already have one Visa Signature with our local Gesa CU, when I applied to them individually they suggested to add DH as joint cardholder, we both already were members and had saving and checking account at Gesa. Here we are not affiliated at all, except that I am NEABA member now Smiley Happy He-he.

 

Anyway I am going to call tomorrow if I still have no email no call from them. How strange it is that they have 24/7 phone line to apply! I still will try to call during business hours.

I think my EQ was hard pulled when I made "choose your amount". Writing it as a warning for others here who want to "try" to apply. 

 

FICO® Score 8 EX: 725
FICO® Score 8 EQ: 746
FICO® Score 8 TU: 786
(8/2020)


I am at the 8th month of my credit journey
Total CL: $18,500
Closed: Cap1 Secured
Recently removed myself as AU from Citi card and my scores dropped: EX (-49), EQ (-78), TU (-12)
Message 527 of 531
Highlighted
Super Contributor

Re: AOD Visa Siggy Discussion Thread

Lol I triggered the fraud detection this morning. 

I didn't even really think about it. 

$6.07 Tello (cell service) via PayPal early this morning 

$183.19 to Xfinity Mobile to pay off my phone this morning

$1.03 on eBay via PayPal to order a SIM card 

 

That all went through fine but then I tried to run $4.99 through for 1GB on DENT (AT&T data eSIM) via PayPal and was declined. Tried again, declined. 

Placed a call to customer service and hung up after 5 minutes and 22 seconds because I was still hearing hold music and made the purchase with my Disco. They called me 15 minutes later and the automated system had me go through my charges. I totally spaced that PayPal sends the merchant type along so I'm sure it looked like fraud having 4 transactions all for telecommunications merchants.

Actually wasn't that painful of a process. Confirmed they were all mine with the IVR and I was done. If they had called me right away, I would give them an A- but since it took 20 minutes to get the call, B-  



Message 528 of 531
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Valued Contributor

Re: AOD Visa Siggy Discussion Thread

Heads up for all who use Apple iOS. AOD Mobile updated, for those not using automatic updates. Nothing new, must be stability and bug related.

Love yourself, embrace yourself, be yourself-
Message 529 of 531
Highlighted
Super Contributor

Re: AOD Visa Siggy Discussion Thread


@blindambition wrote:

Heads up for all who use Apple iOS. AOD Mobile updated, for those not using automatic updates. Nothing new, must be stability and bug related.


@blindambitionAgain? a 2nd update?

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 530 of 531
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