@staticvoidmain wrote:I am surprised AOD hasn't been mentioned at this point.
Not everyone wants to pay dues to join a bike club and snail mail copies of their ID docs just to get denied for a credit card.
@MrDisco99 wrote:
@staticvoidmain wrote:I am surprised AOD hasn't been mentioned at this point.
Not everyone wants to pay dues to join a bike club and snail mail copies of their ID docs just to get denied for a credit card.
IDK, $5 to join a bicycle club was well worth it for me. I never had snail mail anything. I uploaded the documents and was approved the next day. It was a 3 day process total.
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
https://www.cardless.com/cavs it's actually 6% for the first year .
@Anonymous wrote:
@JNA1 wrote:
@MrDisco99 wrote:
@staticvoidmain wrote:I am surprised AOD hasn't been mentioned at this point.
Not everyone wants to pay dues to join a bike club and snail mail copies of their ID docs just to get denied for a credit card.
IDK, $5 to join a bicycle club was well worth it for me. I never had snail mail anything. I uploaded the documents and was approved the next day. It was a 3 day process total.
I think it's mainly about the extra hoops in general, some people prefer the simplicity of hitting the apply button and being done. I guess it all depends on the amount of extra steps a person is willing to put into it.
I can understand that, and I agree that it might not be worth it for some people. For the value I've gotten from the card, it was well worth what I consider a very mild inconvenience to acquire the card.
@longtimelurker wrote:
@Anonymous wrote:
@JNA1 wrote:
@MrDisco99 wrote:
@staticvoidmain wrote:I am surprised AOD hasn't been mentioned at this point.
Not everyone wants to pay dues to join a bike club and snail mail copies of their ID docs just to get denied for a credit card.
IDK, $5 to join a bicycle club was well worth it for me. I never had snail mail anything. I uploaded the documents and was approved the next day. It was a 3 day process total.
I think it's mainly about the extra hoops in general, some people prefer the simplicity of hitting the apply button and being done. I guess it all depends on the amount of extra steps a person is willing to put into it.
And with AOD, there was always the fear that it's going to end "real soon now" so the effort would be wasted. Now, nearly two years later, it must be "really really soon"!
Yeah, AOD takes some effort to get. Not everyone is up for that... A lot of the "unicorn" cards have been nerfed as well, but so far AOD is holding strong. (I see banks doing most of the nerfing around here btw). The $5 for NEABA is easily earned back, so that's a non issue. Just make sure your DTI is in check and your EQ is clean.
But show me another card with
- 3% on anything
- no AF
- 7.49% FIXED apr
- no FTF
- no cash advance fees
- solid reliability when traveling
If you want the simplicity of carrying one card with you, I haven't seen a better option.
