topic Re: Affinity FCU application in Credit Card Approvals

Affinity FCU application

Anonymous — Wed, 13 May 2020 21:53:04 GMT

I've been making some changes on my credit and budget - trying to get rid of expenses I do not need and focus my wallet on cards that give me cashback. I came across some good reviews of Affinity FCU's Cash Rewards Visa Signagure card. I decided to apply on Sunday and figured I'd come here and share with you some observations.

The application process was smooth, no hiccups or anything like that. I did not hear anything on Monday, but did get a welcome email on Tuesday morning asking for proof of income and another form of proof of residence. I sent in my water utility bill and my most recent paystub. Their lending dpt called and asked for a second paystub and told me I had been conditionally approved for $21,500. woo hoo!

Today.. I get an email telling me my membership application had been denied. The message stated: We are sorry to inform you that we are unable to offer you membership at this time based on the information you provided in your application. Obviously without the membership, I can't get the credit card... so I called and spoke to a very nice agent that told me she could not tell me anything beyond what the email stated. I asked to speak to a supervisor. We spoke for about five minutes and she insisted there was nothing they could do. I told her I work for the credit union association (i do) that I could provide any other documentation they could request (since I'm me). I asked to speak with her supervisor. She put me on hold and told me that her manager would call me within minutes, once she got off the phone. An hour went by and no call. By this time I was thinking I should move on...

Then I got the approval email with my member number and a couple of minutes later I got the approval email for the credit card.

Here are some figures: my fico on the letter was 753 with Experian. My DTI ratio is pretty low and my util rate is about 10%.

Re: Affinity FCU application

Anonymous — Wed, 13 May 2020 22:09:13 GMT

Congrats on your approval!

Re: Affinity FCU application

SweetCreditObsession — Wed, 13 May 2020 22:13:24 GMT

Wow, what a dramatic situation. Congratulations!

Re: Affinity FCU application

AllZero — Wed, 13 May 2020 22:21:36 GMT

Congratulations on your approval!

Re: Affinity FCU application

gdale6 — Wed, 13 May 2020 22:25:51 GMT

Interesting sequence of events, congrats on getting it done

Re: Affinity FCU application

CreditAggie — Wed, 13 May 2020 22:31:14 GMT

Congratulations on your Affinity FCU approval!

Re: Affinity FCU application

Anonymous — Wed, 13 May 2020 22:50:07 GMT

I am confused. Did you donate the $5 to one of the two options they have on their site? Their membership page very clearly states who is eligible.

Congrats on a sweet approval though. I would have fought for that kind of approval too!

Re: Affinity FCU application

M_Smart007 — Wed, 13 May 2020 23:07:21 GMT

Congratulations on your approval! ...

Re: Affinity FCU application

Anonymous — Thu, 14 May 2020 00:27:28 GMT

Congrats on your approval!!!

Re: Affinity FCU application

Anonymous — Thu, 14 May 2020 00:55:10 GMT

@Anonymous wrote:
I am confused. Did you donate the $5 to one of the two options they have on their site? Their membership page very clearly states who is eligible.

Congrats on a sweet approval though. I would have fought for that kind of approval too!

I did. I actually signed up for the $5 contribution on the membership app. I don't think that's why they originally declined it. I think they are now trying to crack down on potential fraud by people opening up membership from outside their geographical area. Who knows. I did read posts elsewhere of people complaining about being turned down for no apparent reason.

Re: Affinity FCU application

Anonymous — Thu, 14 May 2020 01:29:49 GMT

@Anonymous wrote:
@Anonymous wrote:
I am confused. Did you donate the $5 to one of the two options they have on their site? Their membership page very clearly states who is eligible.

Congrats on a sweet approval though. I would have fought for that kind of approval too!
I did. I actually signed up for the $5 contribution on the membership app. I don't think that's why they originally declined it. I think they are now trying to crack down on potential fraud by people opening up membership from outside their geographical area. Who knows. I did read posts elsewhere of people complaining about being turned down for no apparent reason.

Thanks for the info. I'll go ahead and write this one off as a potential app. I don't like it when CUs offer a specific way to get in and then try to enforce their geofence despite their website suggesting otherwise.

Re: Affinity FCU application

Anonymous — Thu, 14 May 2020 02:05:59 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I am confused. Did you donate the $5 to one of the two options they have on their site? Their membership page very clearly states who is eligible.

Congrats on a sweet approval though. I would have fought for that kind of approval too!
I did. I actually signed up for the $5 contribution on the membership app. I don't think that's why they originally declined it. I think they are now trying to crack down on potential fraud by people opening up membership from outside their geographical area. Who knows. I did read posts elsewhere of people complaining about being turned down for no apparent reason.
Thanks for the info. I'll go ahead and write this one off as a potential app. I don't like it when CUs offer a specific way to get in and then try to enforce their geofence despite their website suggesting otherwise.

Yeah I get what you're saying. FYI they add the $5 association membership fee to the cu membership opening transaction - so qualifying for membership was certainly not why they originally declined it.

Re: Affinity FCU application

19eighty5 — Thu, 14 May 2020 04:09:36 GMT

Congratulations on your approval!

Re: Affinity FCU application

Red1Blue — Sun, 24 May 2020 02:31:24 GMT

Congrats on your approval. I have been a member of Affinity for last 18 years and they always came through for me. I had 3 car loans, business loan, personal credit card. Not a bad institution to deal with.

Re: Affinity FCU application

Anonymous — Sun, 24 May 2020 03:14:55 GMT

@Red1Blue wrote:
Congrats on your approval. I have been a member of Affinity for last 18 years and they always came through for me. I had 3 car loans, business loan, personal credit card. Not a bad institution to deal with.

So I gotta say I've found their member service to be a bit off. Maybe it's Covid, but I've dealt with three other cus during this time. For example I sent in the paperwork to add an authorized user a week ago. As of Thursday it had not been processed or sent out yet. But the thing I've disliked most is their lack of follow up and communication.
How has your experience compared?

oh one more thing - when I called to recon/appeal the membership denial, they told me a manager would call me right back. She never did - I just got a welcome email with my member number etc. I then got the approval for the cc. But that's the type of thing I'm not crazy about. At least reach out and follow up with the members. They seem to lack that personal touch.

Re: Affinity FCU application

TekkenQQ7 — Mon, 25 May 2020 15:49:53 GMT