AOD FCU

[Anonymous]

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@Anonymous wrote:

@ChargedUp What is a NEAMBA membership and where can I join?

Yes she was very rude and I was embarassed at work as she shouted at me...

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Don't be embarrassed. It's not your fault about the CSR 👍

[Anonymous]

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@Anonymous wrote:

Hello all,

I tried to apply for the AOD credit card. On the application form it clearly says on the first page of application "I am eligible for membership because I work for OR am a member of...". 

So I was denied membership, but I am a member of one of the companies on their list. I am not an employee. Is the only way to get approved for membership to be an employee of their list of companies even though it says "OR am a member"?

Is this a typo on their site? 

I called their customer service for clarification and was yelled at by their agent and she just hung up on me as I was speaking. Very rude and awful support.

thanks

Thank you

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I joined early this year under the bike association that i joined.   they asked for proof of the membership and that was it.

[Anonymous]

@Anonymous do you know if we need to renew the bike membership yearly to keep the card?

[spiritcraft1]

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@Anonymous wrote:

@Anonymous do you know if we need to renew the bike membership yearly to keep the card?

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I doubt it...  All CU's that I know of are "once in, in for life' if you keep the account active anyway.

[Anonymous]

@spiritcraft1 good to know. How old is the 3% CB card? I hope it isn't just a promotional card...

[Anonymous]

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@Anonymous wrote:

@Anonymous do you know if we need to renew the bike membership yearly to keep the card?

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No you do not.   I did it once just to get in the door with AOD and that was it.   Just make sure you do the Alabama branch of the bike association.  I did the one for GA (where I live) and I ended up having to do the Alabama branch instead as that is the one they take.  Be prepared to show your SS card as well. I hadn't had mine since probably when I was a teenager but luckly I ordered a new one and it came about one week after I applied for membership.  They will ask for a copy of it.

[Anonymous]

So I became a member (thank you guys), but when I applied for the Visa signature, they countered with the Platinum card. 

My credit is over 820, excellent, never missed a payment, employed, over 15yr credit history, the whole 9 yards. 

No idea why I am not approved of this... very sad.

[Mr_Mojo_Risin]

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@Anonymous wrote:

So I became a member (thank you guys), but when I applied for the Visa signature, they countered with the Platinum card. 

My credit is over 820, excellent, never missed a payment, employed, over 15yr credit history, the whole 9 yards. 

No idea why I am not approved of this... very sad.

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Sorry to hear this.  

So, no kind of negatives on your credit report at all? 

This is a little surprising, maybe they're scaling back on the VS. 

[Anonymous]

No negatives. They countered me with a $3000 line for the platinum card.  

My credit is excellent.  

-Various Installment loans

-Revolving credit

-10+ years length of credit

-1% Revolving utilization

-0 missed payments

-Over 820 credit score

-Other cards I own with $35-50k credit line

Shot down by AOD.... first time I applied for a card that I was not approved of--- and I have no idea why. 

[blindambition]

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@Anonymous wrote:

So I became a member (thank you guys), but when I applied for the Visa signature, they countered with the Platinum card. 

My credit is over 820, excellent, never missed a payment, employed, over 15yr credit history, the whole 9 yards. 

No idea why I am not approved of this... very sad.

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Do you have a lot of available credit, and a large amount of cards?

This wasn't a factor in the beginning, but AOD has tightened strings with those who already have a large amount of credit.