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Affinity Cash Rewards Approval

CreditCuriosity
Moderator Emeritus

Affinity Cash Rewards Approval

Title says it.  Exp Score 777 at time of application.  Was at 840 2.5 months ago crySmiley Sad..  New House bought along with a new car all reporting 100% installment right now took a big hit on scores along with 4 new cards and multiple new inquiries moved me from 840+ to 777.  It will recover in about a year as installment on car is paid down, etc.  Anyways Got approved with said score.  They certainly are in no hurry at that CU as took 8 days to approve and their customer service line wait is horrible if you try to call them, but it all worked out.  No POI or anything else.  22.5k approval.  A bit weird of an approval thought was going to be a 5k or 25k approval from DP's.  Income is sufficient guessing the new accounts in the last few months along with my big house purchase and big car purchase probably caused a bit lower than expected amount.  Needless to say happy with approval and amount.  Any questions of DP's I left out please let me know and will do my best to fill in the blanks.  Since moving end of June to Florida the following approvals:

14k citi premier

20k us bank alt connect

22.5k bofa premium rewards

30k Chase Amazon

New house

New AMG Benz

 

This is the end of it for a year for me unless a shiny unicorn comes out though.

 

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NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 17.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 12.5k | SECU 20k | Discover 20k | William Sonoma 30k| Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Gold 10k | Amex Business Lowes 10k
Message 1 of 21
20 REPLIES 20
M_Smart007
Legendary Contributor

Re: Affinity Cash Rewards Approval

@CreditCuriosity, Excellent Choice & Congratulations!

 

777 is not all that bad  ..  @Mahraja says regarding scores; "They are kinda irrelevant"

 

I don't know that 850 would get me anything better than 777.  (maybe a fraction of an APRSmiley Tongue)

Message 2 of 21
FLLGuy
Frequent Contributor

Re: Affinity Cash Rewards Approval

congrats - Nice SL and nice APR.   Welcome to Florida!  Home of the undefeated 72 Dolphins and Dan Marino, that's all we have.


[3x] AU Amex Cards
Message 3 of 21
ZackAttack
Frequent Contributor

Re: Affinity Cash Rewards Approval

Well this is interesting. I cannot remember if they did POI for me when I applied back in Dec 2021. When I did start a thread asking about, it looks like it 50/50 right down the middle.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $11.7kBest Buy Visa | $20kChase Freedom Flex | $1.2kDCU Platinum | $8kNFCU Plat | $22kNFCU MoreRewards | $10kAffinity FCU Cash Rewards | $5kAmazon Prime | 10k
Loans
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 ($156.07/month)
Ford Credit Car Loan 2-year 6/7/2021 ($241.96/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
Discover Card 10/2/2020 - 8/18/2021
Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
Message 4 of 21
CreditCuriosity
Moderator Emeritus

Re: Affinity Cash Rewards Approval

Opened the account about too weeks ago had to upload SS card and DL and proof of address then.  Also Opened up then the 3.5% up to 5k savings and dumped 5k into it.  Figured it would help and along a good return in current economical situation.  Maybe that helped provide the no POI or seeing limits on my CR might of avoided it, who knows.

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 17.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 12.5k | SECU 20k | Discover 20k | William Sonoma 30k| Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Gold 10k | Amex Business Lowes 10k
Message 5 of 21
babygirl1256
Valued Contributor

Re: Affinity Cash Rewards Approval

Congrats on your Affinity Cash Rewards approval . . . yes indeed, well worth the wait!!! Smiley Wink

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 6 of 21
ZackAttack
Frequent Contributor

Re: Affinity Cash Rewards Approval


@CreditCuriosity wrote:

Opened the account about too weeks ago had to upload SS card and DL and proof of address then.  Also Opened up then the 3.5% up to 5k savings and dumped 5k into it.  Figured it would help and along a good return in current economical situation.  Maybe that helped provide the no POI or seeing limits on my CR might of avoided it, who knows.


idk I opened my membership about 3-4 before applying. I opened up the Checking & that 3.5% savings to get started. Of course at that time, my credit wasn't good (my eyes) so I waited for Dec.

 

When I applied in Dec I can't remember about POI but the system gave me the system approval without mention the CL or APR. After a rep jumped on it, they said $5k for and the lowest APR (surprising) for me.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $11.7kBest Buy Visa | $20kChase Freedom Flex | $1.2kDCU Platinum | $8kNFCU Plat | $22kNFCU MoreRewards | $10kAffinity FCU Cash Rewards | $5kAmazon Prime | 10k
Loans
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 ($156.07/month)
Ford Credit Car Loan 2-year 6/7/2021 ($241.96/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
Discover Card 10/2/2020 - 8/18/2021
Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
Message 7 of 21
KingRue8500
Valued Contributor

Re: Affinity Cash Rewards Approval

Congrats on your Affinity FCU Cash Rewards approval



Message 8 of 21
Jayy
New Member

Re: Affinity Cash Rewards Approval

Congrats on the approval! I've been eyeing this one as well...holding out hope that it'll just show up in their preapprovals next quarter to make the decision easy.

Message 9 of 21
Traveler101
Frequent Contributor

Re: Affinity Cash Rewards Approval

Congratulations and enjoy all your new toys!

Message 10 of 21
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