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Odds of Affinity VS and/or Alliant VS? (APPROVED FOR AFFINITY VS!)

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Disregard
New Contributor

Odds of Affinity VS and/or Alliant VS? (APPROVED FOR AFFINITY VS!)

UPDATE: After over a week of waiting, I received an email from Consumer Loans asking for signatures on loan documents. The email did not say anything about being approved, but I called in and was told that I was approved for $5,000 @ 13.5% on the Cash Reward Visa Signature!










Message 1 of 13
12 REPLIES 12
FinStar
Moderator Emeritus

Re: Odds of Affinity VS and/or Alliant VS?


@Disregard wrote:

Hi,

 

At the beginning of March, I plan to apply for one or even both of these cards:

Affinity Cash Rewards Visa Signature

Alliant Signature Card


I have a BK 7 on file that was discharged December 2019.

 

My current scores (8 & 9) are:

B90A3769-866E-4E36-9074-8C79E3063BC7.jpeg

 

1C4124B9-F70A-47D2-84D6-0A167B273716.jpeg

 

Inquiries (12 months)

Equifax: 2

Transunion: 2 

Experian: 5

Last Inquiry: September 2021 (Equifax)


AAoA: 3 Years, 10 Months

Age of Most Recent: 3 Months ($10k secured loan paid down to less than 9%)

 

Credit Utilization: 1-2%

 

From what I've found, Affinity pulls Experian 8 (687) Alliant pulls Transunion 9 (723). 

I do bank in specific ways with both credit unions.

 

I've used Alliant as my primary checking and savings account since January 2021 (not sure if they care about that, though). They refused to approve me for anything when I joined them.

 

With Affinity, I have the max amount deposited in their 2% savings account and have had an Affinity Pure Rewards credit card with them since August 2021. 

I like aspects of both cards equally and would optimally like to be approved for both though that's probably not too likely (in my opinion).

Would it be wise to even try for either next week? Maybe even both? Should I wait even longer?


Personally, I would hold off for a while.

Alliant would be a little more strict as far as UW criteria. In looking at your current signature, there do not appear to be any revolving tradelines >$5K, is that correct? 

My understanding, if you're aiming for both Visa Signature products, they may take that into consideration, but it really depends on your overall profile. Hopefully, someone with a similar profile or stats has been able to get approved for the Affinity Cash Rewards VS and they can chime in with their experience.

 

I believe it wasn't long ago (November) that you accepted the $500 CL counter offer for Affinity's Pure Rewards?

Message 2 of 13
Disregard
New Contributor

Re: Odds of Affinity VS and/or Alliant VS?


@FinStar wrote:

@Disregard wrote:

Hi,

 

At the beginning of March, I plan to apply for one or even both of these cards:

Affinity Cash Rewards Visa Signature

Alliant Signature Card


I have a BK 7 on file that was discharged December 2019.

 

My current scores (8 & 9) are:

B90A3769-866E-4E36-9074-8C79E3063BC7.jpeg

 

1C4124B9-F70A-47D2-84D6-0A167B273716.jpeg

 

Inquiries (12 months)

Equifax: 2

Transunion: 2 

Experian: 5

Last Inquiry: September 2021 (Equifax)


AAoA: 3 Years, 10 Months

Age of Most Recent: 3 Months ($10k secured loan paid down to less than 9%)

 

Credit Utilization: 1-2%

 

From what I've found, Affinity pulls Experian 8 (687) Alliant pulls Transunion 9 (723). 

I do bank in specific ways with both credit unions.

 

I've used Alliant as my primary checking and savings account since January 2021 (not sure if they care about that, though). They refused to approve me for anything when I joined them.

 

With Affinity, I have the max amount deposited in their 2% savings account and have had an Affinity Pure Rewards credit card with them since August 2021. 

I like aspects of both cards equally and would optimally like to be approved for both though that's probably not too likely (in my opinion).

Would it be wise to even try for either next week? Maybe even both? Should I wait even longer?


Personally, I would hold off for a while.

Alliant would be a little more strict as far as UW criteria. In looking at your current signature, there do not appear to be any revolving tradelines >$5K, is that correct? 

My understanding, if you're aiming for both Visa Signature products, they may take that into consideration, but it really depends on your overall profile. Hopefully, someone with a similar profile or stats has been able to get approved for the Affinity Cash Rewards VS and they can chime in with their experience.

 

I believe it wasn't long ago (November) that you accepted the $500 CL counter offer for Affinity's Pure Rewards?


I apologize, my signature is a little out of date. 

I do have a store card (Overstock) that's at a $5,500 limit currently. It is a store card though so I'm not sure if this would count or not. 

 

I was approved for the Pure Rewards near the middle/end of August 2021.

 










Message 3 of 13
J-F168
Frequent Contributor

Re: Odds of Affinity VS and/or Alliant VS?

Hi mate,

Last March I got Alliant with 10 limit, on Oct I got a cli to 15k. hope that helps. 

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 4 of 13
Disregard
New Contributor

Re: Odds of Affinity VS and/or Alliant VS?


@J-F168 wrote:

Hi mate,

Last March I got Alliant with 10 limit, on Oct I got a cli to 15k. hope that helps. 


Thank you for the DP! 

 

Did you have a card with a limit of $5,000 or more prior to being approved?

 










Message 5 of 13
J-F168
Frequent Contributor

Re: Odds of Affinity VS and/or Alliant VS?

On 03/21 I was approved for 10k, on 10/21 I asked for a cli and got it to 15k. 

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 6 of 13
FinStar
Moderator Emeritus

Re: Odds of Affinity VS and/or Alliant VS?


@J-F168 wrote:

On 03/21 I was approved for 10k, on 10/21 I asked for a cli and got it to 15k. 


@J-F168 - the OP is asking whether you had history of other accounts prior to Alliant where your revolving limits where $5K or greater. If so, provide more details.

Message 7 of 13
J-F168
Frequent Contributor

Re: Odds of Affinity VS and/or Alliant VS?

Yes, all my CC are over 5k. Traget is the only one stubborn and refuse go move from 2.4k lol

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 8 of 13
Disregard
New Contributor

Re: Odds of Affinity VS and/or Alliant VS?

I decided to apply for the Affinity VS Cash Rewards. 

Application sent to pending. 

I'll provide an update on their decision when I get it. 










Message 9 of 13
J-F168
Frequent Contributor

Re: Odds of Affinity VS and/or Alliant VS?

Good luck mate! let us know your positive outcome.

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 10 of 13
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