Re: Jovia CU is Geo-Restricted

hollifield7034 · ‎12-26-2024

Have not seen this posted anywhere else so I will put it out there. I went to the Jovia CU website to see about getting their Visa Signature Elite Card. I was pre-approved up to $25,000. I then went to fill out a membership application and went through the process until I got to "How do you qualify for membership". It said you need to be related to a member, or live/work/attend school/attend worship in an area that they serve. The option to join the CU through the CrossState Foundation was no longer an option. I stopped what I was doing and called the CU. The CSR advised that membership is no longer available by joing the CrossState Foundation. Thought I would share for anyone that has been thinking about getting the card.

FicoMike0 · ‎12-26-2024

Those b@st@rds!

hollifield7034 · ‎12-26-2024

I was thinking along the lines of the same thing

Snook_on_the_Line · ‎12-26-2024

What's that mean for those of us who joined thru cross state?

time will tell

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k

^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900

hollifield7034 · ‎12-26-2024

It's a credit union so once you are in you are in, however, for new members it is no longer open to everyone

CreditCuriosity · ‎12-26-2024

@Snook_on_the_Line wrote:
What's that mean for those of us who joined thru cross state?

time will tell

Existing members are fine.. Just like NFCU I got in through a loop hole as did many others and since been long closed. Once you aer in any CU it is permanent unless of course you close your shared savings account ever.

ptatohed · ‎12-26-2024

@Snook_on_the_Line wrote:
What's that mean for those of us who joined thru cross state?

time will tell

Once you're in, you're in. But what is special about this CU?

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Drifter73 · ‎12-27-2024

@ptatohed wrote:
@Snook_on_the_Line wrote:
What's that mean for those of us who joined thru cross state?

time will tell
Once you're in, you're in. But what is special about this CU?

It was a FOTM and many myfico'ers leveraged the ability to use the same HP for x2 CCs + PLOC all in one shot. Most got all three with nice 5-figure SLs each.

I just went for the savings + 1 card with 17% apy and may leverage them later for something else now that I'm established there.