topic Re: Affinity Cash Rewards Visa Signature approval! in Credit Card Approvals

Affinity Cash Rewards Visa Signature approval!

Duke_Nukem — Thu, 06 May 2021 18:49:28 GMT

The time is nigh...

We have some repairs and remodeling of our homestead looming, so it was time to pull the trigger on the Affinity Cash Rewards Visa Signature card and make an attempt at the spending SUB's (yes, plural)! It helps that Home Improvement is part of the Hi5 category spends this quarter for that 5% match, and the $3500 match limit will certainly help! There is the $200 SUB after $3000 spend, but in addition to that there is an additional $200 SUB when spending $20,000.

I joined AFCU this past January, but I couldn't meet the spend requirements at that time. So I deposited $5k in their SmartSavings (first $2500 earns 2% APR, next $2500 earns 1% APR). Pulled the trigger for the Cash Rewards on 5/3, but did not get an instant approval. Bummer... I've acquired 5 new cards in the past 3 months (see my signature) and a mortgage in Jan.

However, yesterday I got an email from their UW team to upload my most recent 2 paystubs. After that, I got the approval email stating a $10,000 starting limit and 12.5% APR! I'm happy about the limit, even though it seems to be on the lower end of most applicants... I'm sure my recent activity with cards has a lot to do with it.

DP's

Pulled EX8, which is 752
Been a member of AFCU for 4 months
New CC accounts (accts/months): 3/3, 5/6, 5/12
Inquiries on EX: 2/3, 4/6, 6/12 (2 mortgage inquiries)
UTI <1%
BK7 in 2012
AAoA around 3 years

Re: Affinity Cash Rewards Visa Signature approval!

AllZero — Thu, 06 May 2021 19:01:25 GMT

Congratulations on your approval!

Re: Affinity Cash Rewards Visa Signature approval!

CreditAggie — Thu, 06 May 2021 19:14:56 GMT

Congratulations on your Affinity Cash Rewards approval!

Re: Affinity Cash Rewards Visa Signature approval!

gdale6 — Thu, 06 May 2021 19:38:48 GMT

Pretty good approval, grats on the 10K

Re: Affinity Cash Rewards Visa Signature approval!

CreditMagic7 — Thu, 06 May 2021 19:44:25 GMT

Congratulations on that Affinity CR Visa Sig approval!

Re: Affinity Cash Rewards Visa Signature approval!

Papa_Bear — Thu, 06 May 2021 20:06:58 GMT

Hail to the king, baby! Congratulations.

Re: Affinity Cash Rewards Visa Signature approval!

M_Smart007 — Thu, 06 May 2021 23:00:03 GMT

Congratulations on your approval!

Re: Affinity Cash Rewards Visa Signature approval!

Anonymous — Fri, 07 May 2021 00:19:26 GMT

@Duke_Nukem wrote:
The time is nigh...

We have some repairs and remodeling of our homestead looming, so it was time to pull the trigger on the Affinity Cash Rewards Visa Signature card and make an attempt at the spending SUB's (yes, plural)! It helps that Home Improvement is part of the Hi5 category spends this quarter for that 5% match, and the $3500 match limit will certainly help! There is the $200 SUB after $3000 spend, but in addition to that there is an additional $200 SUB when spending $20,000.

I joined AFCU this past January, but I couldn't meet the spend requirements at that time. So I deposited $5k in their SmartSavings (first $2500 earns 2% APR, next $2500 earns 1% APR). Pulled the trigger for the Cash Rewards on 5/3, but did not get an instant approval. Bummer... I've acquired 5 new cards in the past 3 months (see my signature) and a mortgage in Jan.

However, yesterday I got an email from their UW team to upload my most recent 2 paystubs. After that, I got the approval email stating a $10,000 starting limit and 12.5% APR! I'm happy about the limit, even though it seems to be on the lower end of most applicants... I'm sure my recent activity with cards has a lot to do with it.

DP's
Pulled EX8, which is 752
Been a member of AFCU for 4 months
New CC accounts (accts/months): 3/3, 5/6, 5/12
Inquiries on EX: 2/3, 4/6, 6/12 (2 mortgage inquiries)
UTI <1%
BK7 in 2012
AAoA around 3 years

Very informative -- thank you for taking the time to share useful details. Congratulations! on an excellent approval.

Re: Affinity Cash Rewards Visa Signature approval!

Anonymous — Fri, 07 May 2021 01:58:43 GMT

Congrats on landing the Affinity card!

Re: Affinity Cash Rewards Visa Signature approval!

PullingMeSoftly — Fri, 07 May 2021 03:28:49 GMT

Congrats on getting one of the best cards out there!

Re: Affinity Cash Rewards Visa Signature approval!

mrcraft — Fri, 07 May 2021 04:00:58 GMT

Congratulations on your approval!!

This card is definitely on my "apply in the future" list. I joined AFCU this January. So far, I like this CU a lot.

Re: Affinity Cash Rewards Visa Signature approval!

Total80sKid — Fri, 07 May 2021 07:32:33 GMT

Congrats on your ACRVS approval and nice SL!