Affinity Cash Rewards Visa Signature-Approved

[Janneman]

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@nytokyobred79 wrote:

@Janneman 

Awesome approval. Congrats on building a strong relationship with Affinity. 

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Yup, awesome approval...Don't know if I have built strong relationship with them or what because I never charged more than $20 here and there in the last 4 years on my other card with them other than when I was working on the SUB on that card...However, I have been making my salary deposited each week without a miss for the last 4 years into the checking account I have with them. Don't know if this contributed to the approval or not...

Oh by the way, underwriter did call me after two hours of me having received the approval email to ask me to give them last two years' tax returns and 4 paystubs...I asked him if they ask these documents after the approval. He answered that they reserve the right to ask financial documents at any time which is disclosed in their terms and conditions...even after 20 years later or each day, each week, each month and even each year...however, he admitted that he had personally approved the application without POI but when he went to sign off the application with his manager then manager wanted to ask/see these documents...So, I submitted those documents immediately as I was expecting to be asked those anyway given the size of the CL...He called me back a few hours later to inform me that all set and that I am ready to go with the account...lols

[Janneman]

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@CreditAggie wrote:

Congratulations on your Affinity Cash Rewards approval!

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Thank you so much....

[JoeRockhead]

Outstanding SL and approval, congratulations!

[alextercero]

Congrats on the approval

[firefox100]

Congratulations on very nice approval for your affinity credit card enjoy it have fun.

[Rdbeetle]

Congrats on your Affinity $32.5k approval!

[SSR]

Congrats on approval! Did they ask for POI! I'm assuming it's a straight hard pull with no soft pull to see if you qualify?

[Janneman]

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@SSR wrote:

Congrats on approval! Did they ask for POI! I'm assuming it's a straight hard pull with no soft pull to see if you qualify?

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My application was approved without any POI at first, but an hour or two later underwriter called me and requested the last two years' tax returns and paystubs for 4 weeks...He said that he didnt need it but his supervisor wanted to have these documents....According to him, whenever any CL is granted over $25k, they want to see POI most of the time....

[Janneman]

Update:

Yesterday I received the card in the mail. The card came with a letter which describes the benefits of this card, and this letter very clearly states about the SUB which is $200 after spending $3k in the first 90 days....I was surprised because on my online account, there was a different offer for the SUB which I have mentioned and attached documentation on the initial posting on this thread. Tomorrow I will call their customer service just to make sure, but I have saved that letter because this credit union NEVER entertains SUB and offers unless you call them and tell them about it while inquiring..which has been my experience every single time since I have other account with them ...4-5 years...So, I am going to save every single letter and email about the offer and SUB until I redeem those offers.

[Janneman]

UPDATE:

Just have a chat with the representative of this CU to confirm SUB on my latest credit card. Rep has confirmed that I would get $200 after spending $3k in first 90 days. Another reason to contact them especially over the chat is so that I could keep the documentary proof of conversation/chat which is so important with this CU as this CU is known to mess on SUB all the times, whether its welcome bonus or checking account promo SUB that I always get...almost every 4 months...So, guys keep proof of every SUB promo and anything related to SUB. Its a good relief that now I can work on the SUB unless before when I was not intended to get $200 for spending $20k....Happy ending...at least on this account...