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

M_Smart007 · ‎08-26-2022

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!

SUPERSQUID · ‎08-26-2022

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

cashorcharge · ‎08-26-2022

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

coreyb80 · ‎08-26-2022

Congrats on the strong approval!

SDMarik · ‎08-26-2022

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

"When prosperity comes, do not use all of it"

Suzette2 · ‎08-26-2022

NICE!!!

6/20 :

12/22 :

BigBS · ‎08-26-2022

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

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

M_Smart007 · ‎08-26-2022

@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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ocheosa · ‎08-26-2022

@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!

[4/24] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 0, EX 3, TU 2. AoOA=15.8y, AoYA=8m.
TCL $678.5K: Personal $562.5K, Business $116K.

CreditMarathoner · ‎08-26-2022

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?

Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)