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Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

JNA1
Valued Contributor

Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

So I totally blame a good friend and @Taurus22  that already have this card for this awesomeness! 😂 I joined Affinity around 5 months ago and threw $2500 in their SmartStart 2% Savings Account, with the full intention of app’ing for this card in Jan or Feb AFTER getting 4/24 and going for the Freedom Flex. However, on Oct 1st when Affinity updated their prespproved offers, they gave me a 12.5% offer up to $32,500. You can’t dangle that kind of carrot in front of me, man!! 😂
So I decided to app, fully expecting to get a lesser offer. I apped Tues, and this evening after 3 agonizing days of waiting, I got a Docusign form to sign, and the account showed up on my app tonight. I’m ecstatic with this SL and I’m glad to wait on the Chase card a bit longer to get this great card at that SL!

 

This approval officially puts me the $200K Club as well! 

DPs: 

0/6, 2/12, and 9/24 new accounts at time of app

F8 EX score - 778
110K income 

I had 11 CCs - TCL $188K (prior to app)

2% utilization

21% DTI  

 

I've been an Affinity member for 5 months.

 

Affinity sends out preapprovals quarterly, and these were first I've gotten. 


I opened a SmartStart 2% Savings account and 1% Cash Back Debit Checking right after I joined, though I've only used the debit card a couple of times. 

 

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81EFE3EA-EE9D-4575-8E68-1CE802DA5518.jpeg

 

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $347,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 1 of 51
50 REPLIES 50
Sub16610
Frequent Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Congratulations on your Affinity approval and awesome SL.  Nice apr as well!

Message 2 of 51
Titans84
Frequent Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Congrats on this awesome pick-up! Nice SL and APR! I'll be following your same method of opening a savings account and then later appling for the card in early 2022!

Current FICO 8:




Message 3 of 51
CreditAggie
Super Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Congratulations on your Affinity Cash Rewards approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 1/6, 3/12, 5/24
Message 4 of 51
Taurus22
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Woooooooooooooow!!!!!  That's absolutely freaking amazing man!  Smiley Surprised Smiley LOL  Glad to see you finally pulled the trigger on this. While you're waiting to be under 5/24 again, you'll be raking in outstanding cashback with this thing, so you won't feel like you've lost anything....trust me.

 

Really happy for you....and a little jealous of the SL too!  Smiley Wink 

Current Wallet
Sock Drawered

On Deck:
Message 5 of 51
JNA1
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!


@Taurus22 wrote:

Woooooooooooooow!!!!!  That's absolutely freaking amazing man!  Smiley Surprised Smiley LOL  Glad to see you finally pulled the trigger on this. While you're waiting to be under 5/24 again, you'll be raking in outstanding cashback with this thing, so you won't feel like you've lost anything....trust me.

 

Really happy for you....and a little jealous of the SL too!  Smiley Wink 


I'm blown away, man! I totally didn't expect to get that SL out of the gate. I appreciate all your advice on it! 

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $347,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 6 of 51
BigBS
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Congrats!  Just joined myself.

Score: EQ(805) EX(800) TU(810)
INQs: EQ(3) EX(7) TU(5)
Last INQ: 03 Oct 21

Total Credit Limit - $1.5M

Message 7 of 51
gingerflower
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!

Congratulations awesome monster SL! 

Message 8 of 51
JNA1
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!


@BigBS wrote:

Congrats!  Just joined myself.


I don't think you'll be disappointed! I'm a member of several good CUs, but Affinity is overall my favorite. Their products are awesome, so far customer service has been fantastic. 

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $347,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 9 of 51
BigBS
Valued Contributor

Re: Affinity Cash Rewards Approval - $32,500 SL @ 12.5%!


@JNA1 wrote:

@BigBS wrote:

Congrats!  Just joined myself.


I don't think you'll be disappointed! I'm a member of several good CUs, but Affinity is overall my favorite. Their products are awesome, so far customer service has been fantastic. 


Look forward to putting it to the test.

Score: EQ(805) EX(800) TU(810)
INQs: EQ(3) EX(7) TU(5)
Last INQ: 03 Oct 21

Total Credit Limit - $1.5M

Message 10 of 51
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