topic Re: Affinity Cash Rewards Visa® $25,000.00 **Approval in Credit Card Approvals

Affinity Cash Rewards Visa® $25,000.00 **Approval

M_Smart007 — Fri, 26 Aug 2022 14:17:16 GMT

Applied on August 16th, got the Approval email early this Morning.

Affinity Cash Rewards Visa® Signature

Approved for $25,000.00

Cold Apped, No online pre-approval.

Joined Affinity October 2021

Not one document required. Not even a email. Just shear silence.

$200 SUB for $3000.00 spend in the first 90 days.

DP's

EX FICO8 777 (has not changed in over a year or so)

30+/24 Inquiries (less than 8 scoreable / many will drop off by Dec. 2022)

14/24 new accounts

Over 80 open accounts. (even after closing a few)

AAoA 3.8 yrs.

AoOA 38+

AoYRA 8 Months

(1) open installment loan reporting $20.00 on $25K

AZEO - At time of application (One Citi card reporting in error at over 66% Utilization)

Very thick aged clean profile.

Sufficient Income.

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Experian HP

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Tagging @cashorcharge as the week is not over!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

SUPERSQUID — Fri, 26 Aug 2022 14:25:08 GMT

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

cashorcharge — Fri, 26 Aug 2022 14:27:49 GMT

This a great CU and congrats on your Cash Rewards card @M_Smart007

They just approved an AutoLoan for me and it couldn't have been easier!

I've been using mine a lot for the 5% back on gas. WOOHOO!! Congratulations

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

coreyb80 — Fri, 26 Aug 2022 14:27:20 GMT

Congrats on the strong approval!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

SDMarik — Fri, 26 Aug 2022 15:13:50 GMT

Congrats on the Affinity Cash Rewards Visa approval, and great starting limit!!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

Suzette2 — Fri, 26 Aug 2022 15:17:41 GMT

NICE!!!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

BigBS — Fri, 26 Aug 2022 15:38:34 GMT

Congrats! Go for the Line of Credit while you are at it. They use the same pull.

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

M_Smart007 — Fri, 26 Aug 2022 16:18:28 GMT

@BigBS wrote:
Congrats! Go for the Line of Credit while you are at it. They use the same pull.

@BigBS,

Thanks. And thanks for mentioning the LOC with same pull.

I applied, let's see what happens? ... (No Experian Alerts)

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Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

ocheosa — Fri, 26 Aug 2022 16:35:24 GMT

@M_Smart007 Congratulations!

Love AFCU, it really is a great credit union! I've been with them 2 yrs now, both deposit (personal and business) and credit accounts. I recommend to everyone I know. Not sure if you can use it but the LOC is a freebie as they repurpose that same HP if you apply within 30 days. If you decide to move forward, call to apply as they will need to pull the initial credit report and attach to this application. That way there is no room for a system gone rogue error (looking at you WF). The approval is more or less instant if you accept the computer generated SL. You can also request more by having the application sent to underwriting. Congrats again, very nice SL!

ETA: Oops, see you've already received the same recommendation and applied. Good luck on the LOC application!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

CreditMarathoner — Fri, 26 Aug 2022 16:43:56 GMT

Wow, another one! Congrats! Seems like every other approval thread here is one of yours!

80 open accounts! I could never keep up with that many. I get overwhelmed if I use my CSP and have to make a payment on that on top of the other 3.

Do you have due dates every day of the month or do you pack them all together on the same day/week?

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

M_Smart007 — Fri, 26 Aug 2022 16:45:43 GMT

Thank you @ocheosa

It has been my goal since before I joined last October. (Needed to stay in the Garden for a bit)

Really love their Web interface and Phone App.

Have had no issues with SmartStart ACH Savings transfers.

No App spree's .. as I want to get under 5/24 ..It is not that far off.

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

M_Smart007 — Fri, 26 Aug 2022 16:50:07 GMT

@CreditMarathoner wrote:
Wow, another one! Congrats! Seems like every other approval thread here is one of yours!

80 open accounts! I could never keep up with that many. I get overwhelmed if I use my CSP and have to make a payment on that on top of the other 3.

Do you have due dates every day of the month or do you pack them all together on the same day/week?

@CreditMarathoner, Thanks.

It really is not that bad to manage, I used to manage over 120 accounts on a former vending/arcade game business.

Most due dates are at the end of the month, so I know when it is time to log in and check the cards that I have been using.

I have a couple cards set up for mid month.

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

PullingMeSoftly — Fri, 26 Aug 2022 17:26:59 GMT

Huge congrats, best card out there, totally an OP daily driver! Also a general congrats on your recent streak, man you're rolling

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

BigBS — Wed, 12 Oct 2022 13:32:58 GMT

Just FYI on the LOC, it counts as a separate account as far as Chase is concerned. May be intuitive, but thought I'd mention it. Found out the hard way this spring.

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

M_Smart007 — Fri, 26 Aug 2022 18:38:32 GMT

@BigBS wrote:
Just FYI on the LOC, it counts as a separate account as far as Chase is concerned. May be inuitive, but thought I'd mention it. Found out the hard way this spring.

@BigBS, Thanks. I figured as much.

So it will put me at 3 new CL's. in 8 months.

So that is it for new lines of personal credit.

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

ZackAttack — Fri, 26 Aug 2022 19:16:01 GMT

Congratz OP,

Just remember on the AFCU Cash Rewards card ... the 5% is only good for the Amazon website. It does not help with purchases from Prime Video & Amazon Pay from 3rd party sites (such as Twitch for processing payment).

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

KingRue8500 — Fri, 26 Aug 2022 23:38:22 GMT

Congrats on your Affinity Cash Rewards approval

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

Elpadrino1 — Sat, 27 Aug 2022 01:52:52 GMT

Congratulations on your approval!!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

JNA1 — Sat, 27 Aug 2022 02:22:54 GMT

Congrats! I love Affinity FCU!

Re: Affinity Cash Rewards Visa® $25,000.00 **Approval

altstates93 — Sat, 27 Aug 2022 03:34:02 GMT

Congratulations on the approval, a worthy addition to your vast collection.

This reminds me of something I noticed when I applied for this card. In addition to the $200 SUB for $3K spend within 90 days, I saw a $250 bonus if one makes $25K of purchases in 12 months.

If I have the math right, the combined bonuses would in effect add 1.8% on top of any rewards you earned. Even using the card for nothing but 1% categories (as if) would give one the equivalent of a 2.8% card for the first year.

Has anyone here cleared that 12-month bonus?