topic Re: Affinity cash rewards visa in Credit Card Approvals

Affinity cash rewards visa

sugarcreek67 — Fri, 27 Aug 2021 13:58:21 GMT

I opened a saving account with Affinity last month throwing a couple grand in the account to earn some pennies. Last week a really friendly CSR called me to ask how things were going with the new account and if I had any questions. I talked to her about lines of credit and their credit card products. I have have added some new accounts and had a number of inquiries so I did not want to waste a hard pull to get a dreaded denial. After discussing my information with her she encouraged me to apply, so I filled out an application for the Cash rewards siggy card. I got a HP notification from EX (fico8 751) The 24th I got an email with an approval for 5K, they asked for a mortgage statement and POI. I sent that in and held my breath. Yesterday I got the final approval information of 5K and recieved a 12.50% rate. Now I am going to go back and hide in the garden.

Re: Affinity cash rewards visa

Anonymous — Fri, 27 Aug 2021 14:00:19 GMT

Congrats on the approval!

Re: Affinity cash rewards visa

CreditAggie — Fri, 27 Aug 2021 14:06:07 GMT

Congratulations on your Affinity Cash Rewards approval!

Re: Affinity cash rewards visa

Elpadrino1 — Fri, 27 Aug 2021 14:21:06 GMT

Congrats on your approval!!

Re: Affinity cash rewards visa

gdale6 — Fri, 27 Aug 2021 14:50:39 GMT

Grats on your Affinity approval

Re: Affinity cash rewards visa

cashorcharge — Fri, 27 Aug 2021 15:17:06 GMT

Glad that worked out! Congratulations on your Affinity approval!! 👏🏼🎉🍾

Re: Affinity cash rewards visa

Peanut4211982 — Fri, 27 Aug 2021 18:36:47 GMT

Congratulations on your approval 👏

Re: Affinity cash rewards visa

mrcraft — Fri, 27 Aug 2021 18:47:39 GMT

Congratulations on your approval!!

Re: Affinity cash rewards visa

PullingMeSoftly — Fri, 27 Aug 2021 19:16:54 GMT

Congrats, you just got yourself one of the best cards out there

Re: Affinity cash rewards visa

KingRue8500 — Fri, 27 Aug 2021 20:59:15 GMT

Congrats on your Affinity Cash Rewards approval

Re: Affinity cash rewards visa

Anonymous — Fri, 27 Aug 2021 21:17:55 GMT

Why did they ask for a mortgage statement for a credit card?

Re: Affinity cash rewards visa

Taurus22 — Sat, 28 Aug 2021 02:25:02 GMT

@Anonymous wrote:
Why did they ask for a mortgage statement for a credit card?

I would assume it relates to DTI ratio, my best guess.....I currently rent so I didn't have to do that personally.

Re: Affinity cash rewards visa

Taurus22 — Sat, 28 Aug 2021 02:27:16 GMT

@sugarcreek67 Congrats on your Affinity approval! Welcome to the family!

If you don't mind me asking, how many INQ's and new accounts did you have?

Re: Affinity cash rewards visa

sugarcreek67 — Sat, 28 Aug 2021 02:51:18 GMT

@Anonymous Because my mortgage doesnt show on EX only TU and EQ. I dont know why they dont report to all 3 but on the application it asked about a mortgage payment and I put my payment info in the app. Affinity just wanted the information to add to the DTI .

@Taurus22 new accounts 7 last 8 months IQ 12 in 2 years EX Fico 8 751, never a late payment,always PIF, 0 baddies... i have only 2 year credit history was an all cash guy for over 10 years

I spoke to the underwriter,he was a really nice guy, told me I would have gotten a higher SL if not for all the recent accounts. Told me to give it 6 months to build a relationship with affinity and then talk to them about a CLI. Just another really good reason to hide in the garden til next year :-)

Re: Affinity cash rewards visa

Taurus22 — Sat, 28 Aug 2021 03:02:09 GMT

@sugarcreek67 wrote:
@Anonymous Because my mortgage doesnt show on EX only TU and EQ. I dont know why they dont report to all 3 but on the application it asked about a mortgage payment and I put my payment info in the app. Affinity just wanted the information to add to the DTI .

@Taurus22 new accounts 7 last 8 months IQ 12 in 2 years EX Fico 8 751, never a late payment,always PIF, 0 baddies... i have only 2 year credit history was an all cash guy for over 10 years

I spoke to the underwriter,he was a really nice guy, told me I would have gotten a higher SL if not for all the recent accounts. Told me to give it 6 months to build a relationship with affinity and then talk to them about a CLI. Just another really good reason to hide in the garden til next year :-)

Wow.....you've been busy for two years. Affinity has some of the most helpful, friendly staff (possibly better than AOD honestly)....it has become my favorite FI. I was like you until 2013, always a cash guy until I realized I needed credit to reach higher ground. And I agree, you probably need some time in the garden, but when you break out you'll have a ton of CLI's ready to harvest. Great job and congrats again!

Re: Affinity cash rewards visa

Total80sKid — Sat, 28 Aug 2021 04:41:07 GMT

Congrats on your Affinity Rewards approval 🥳

Re: Affinity cash rewards visa

sugarcreek67 — Sat, 28 Aug 2021 11:42:52 GMT

@Taurus22 wrote:
@sugarcreek67 wrote:
@Anonymous Because my mortgage doesnt show on EX only TU and EQ. I dont know why they dont report to all 3 but on the application it asked about a mortgage payment and I put my payment info in the app. Affinity just wanted the information to add to the DTI .

@Taurus22 new accounts 7 last 8 months IQ 12 in 2 years EX Fico 8 751, never a late payment,always PIF, 0 baddies... i have only 2 year credit history was an all cash guy for over 10 years

I spoke to the underwriter,he was a really nice guy, told me I would have gotten a higher SL if not for all the recent accounts. Told me to give it 6 months to build a relationship with affinity and then talk to them about a CLI. Just another really good reason to hide in the garden til next year :-)
Wow.....you've been busy for two years. Affinity has some of the most helpful, friendly staff (possibly better than AOD honestly)....it has become my favorite FI. I was like you until 2013, always a cash guy until I realized I needed credit to reach higher ground. And I agree, you probably need some time in the garden, but when you break out you'll have a ton of CLI's ready to harvest. Great job and congrats again!

I have not looked into AOD maybe I will check them out for down the road.

Re: Affinity cash rewards visa

JNA1 — Sun, 29 Aug 2021 03:54:52 GMT

@sugarcreek67 wrote:
@Taurus22 wrote:
@sugarcreek67 wrote:
@Anonymous Because my mortgage doesnt show on EX only TU and EQ. I dont know why they dont report to all 3 but on the application it asked about a mortgage payment and I put my payment info in the app. Affinity just wanted the information to add to the DTI .

@Taurus22 new accounts 7 last 8 months IQ 12 in 2 years EX Fico 8 751, never a late payment,always PIF, 0 baddies... i have only 2 year credit history was an all cash guy for over 10 years

I spoke to the underwriter,he was a really nice guy, told me I would have gotten a higher SL if not for all the recent accounts. Told me to give it 6 months to build a relationship with affinity and then talk to them about a CLI. Just another really good reason to hide in the garden til next year :-)
Wow.....you've been busy for two years. Affinity has some of the most helpful, friendly staff (possibly better than AOD honestly)....it has become my favorite FI. I was like you until 2013, always a cash guy until I realized I needed credit to reach higher ground. And I agree, you probably need some time in the garden, but when you break out you'll have a ton of CLI's ready to harvest. Great job and congrats again!
I have not looked into AOD maybe I will check them out for down the road.

Yeah, I'd hold off on AOD for a while. Their underwriting is pretty tight. It's a great card though!

Re: Affinity cash rewards visa

sugarcreek67 — Sun, 29 Aug 2021 12:57:33 GMT

@JNA1 wrote:
@sugarcreek67 wrote:
@Taurus22 wrote:
@sugarcreek67 wrote:
@Anonymous Because my mortgage doesnt show on EX only TU and EQ. I dont know why they dont report to all 3 but on the application it asked about a mortgage payment and I put my payment info in the app. Affinity just wanted the information to add to the DTI .

@Taurus22 new accounts 7 last 8 months IQ 12 in 2 years EX Fico 8 751, never a late payment,always PIF, 0 baddies... i have only 2 year credit history was an all cash guy for over 10 years

I spoke to the underwriter,he was a really nice guy, told me I would have gotten a higher SL if not for all the recent accounts. Told me to give it 6 months to build a relationship with affinity and then talk to them about a CLI. Just another really good reason to hide in the garden til next year :-)
Wow.....you've been busy for two years. Affinity has some of the most helpful, friendly staff (possibly better than AOD honestly)....it has become my favorite FI. I was like you until 2013, always a cash guy until I realized I needed credit to reach higher ground. And I agree, you probably need some time in the garden, but when you break out you'll have a ton of CLI's ready to harvest. Great job and congrats again!
I have not looked into AOD maybe I will check them out for down the road.
Yeah, I'd hold off on AOD for a while. Their underwriting is pretty tight. It's a great card though!

I meant I was going to check them out as far as accounts ect but not applying for any cards.

Re: Affinity cash rewards visa

randomguy1 — Thu, 09 Sep 2021 17:02:50 GMT

@sugarcreek67 Congrats and do you remember how long the new card it took to show up on your credit reports? Has it shown up yet?