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Affinity FCU Business First Visa Approval

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mfinsmi1
Established Contributor

Affinity FCU Business First Visa Approval

So i recently applied for their personal visa sig card a few weeks ago. I knew that with Affinity you could re use the hard pull for more personal products but I had called up to ask if i could use it on their business side . They said it could be possible and I went through the process of applying for their card , and also opening up a business checking (you need that to get the checkin acct in order to get their business products) . Just got the email today , got approved! And no additional hard pull!!

 

AFCU has a much better business department than nfcu thats for sure. Very pleasant experience all around. 

This card itself isnt that special - its only 1x point per dollar , you do get an immediate 5k bonus points for the first transaction. I am positive it does not report on the personal side , no idea if itll report to any business credit. Worst case its another ghost card for me.  But since Im in the garden until 2024 im pumped to continue to grow my sole prop business credit card arsenal. 3rd approval this month lets go 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 1 of 9
8 REPLIES 8
Janneman
Established Contributor

Re: Affinity FCU Business First Visa Approval

@mfinsmi1 

 

Congrat....Btw, how much SL you got on the business card?

Message 2 of 9
mfinsmi1
Established Contributor

Re: Affinity FCU Business First Visa Approval

@Janneman 5k on the personal and 5k on the business side for a total of 10k in the same week.... maybe i shud have spaced the apps out but i didnt want to incur another hard pull from the same lender , techincally using my EIN my business on paper is about 6 months old, and my reported revenue i did not fabricate because I assumed they would want proof. So on the app i stated a loss my first year and a projected profit of about 15-20k for this year. As a "start up" sole prop in the eyes of the lender i cant complain..... they did not ask for any documents other than my EIN letter and business license 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 3 of 9
Janneman
Established Contributor

Re: Affinity FCU Business First Visa Approval

@mfinsmi1 

 

I understand. You did right. $5k is not bad given the projected revenue of your business. However, I must say that I was shocked to see that you got only $5k CL on personal side because this lender is known to give out a higher CL...Don't know their process of CLI, though. Maybe, you can try for CLI in six months. 

Message 4 of 9
mfinsmi1
Established Contributor

Re: Affinity FCU Business First Visa Approval

@Janneman its because i have like 100 new accounts - they tend to be a little reserved at extending a high limit to those with a bunch of new accounts reporting ,,, ive seen it on here multiple times so im not suprised at all. But yes i plan to request in 6 months 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 5 of 9
SouthJamaica
Mega Contributor

Re: Affinity FCU Business First Visa Approval


@mfinsmi1 wrote:

So i recently applied for their personal visa sig card a few weeks ago. I knew that with Affinity you could re use the hard pull for more personal products but I had called up to ask if i could use it on their business side . They said it could be possible and I went through the process of applying for their card , and also opening up a business checking (you need that to get the checkin acct in order to get their business products) . Just got the email today , got approved! And no additional hard pull!!

 

AFCU has a much better business department than nfcu thats for sure. Very pleasant experience all around. 

This card itself isnt that special - its only 1x point per dollar , you do get an immediate 5k bonus points for the first transaction. I am positive it does not report on the personal side , no idea if itll report to any business credit. Worst case its another ghost card for me.  But since Im in the garden until 2024 im pumped to continue to grow my sole prop business credit card arsenal. 3rd approval this month lets go 


Congratulations on your approval. Nice to hear that Affinity has a good business department.


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 6 of 9
cashorcharge
Community Leader
Super Contributor

Re: Affinity FCU Business First Visa Approval

WooHoo!! Congratulations on your Affinity Approval!!👏🏼🍾🥂

Message 7 of 9
adam-results
New Visitor

Re: Affinity FCU Business First Visa Approval

Congrats on the approvals, putting together a funding plan now, wondering what bureua did you get your original hard pull from? Thanks

Message 8 of 9
DatBoiQuick
Regular Contributor

Re: Affinity FCU Business First Visa Approval

Congrats on your approval!

Personal Cards:


Business Cards:
Message 9 of 9
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