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Affinity FCU Cash Rewards

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minski
Established Contributor

Affinity FCU Cash Rewards

I don't normally post my approvals but given the dearth of data on this CU, I decided to add my info to help.

 

Location: NY

SL: $25,000

APR: UPDATE: 12.50%

Income: low 6 figures

FICO 08: EX 810, TU 836

Inquiries: They pulled EX which had 1 scorable inquiry.

New accounts: 2 new in the past 12 months, the most recent being 3 months ago

No negatives and low DTI. I'd paid off my car loan but the reports had not reflected that yet. The only balance I am carrying is at 0% APR under $12,000. 

They requested 2 recent paystubs.

Process could have completed sooner but the email requesting the paystubs was sent to my Spam box and I didn't realized it until almost a week later. It took about 2-3 days since submitting the paystubs when the loan application got finalized. I am currently awaiting the card in the mail.

 

They did not ask me what CL I wanted. I wish they did because I only wanted $5000!

 

UPDATE: I found another e-mail from them in my Spam box. My APR is 12.50%.

Message 1 of 13
12 REPLIES 12
AllZero
Mega Contributor

Re: Affinity FCU Cash Rewards

Congratulations on your approval! Maybe ask for a CLD? 😝
Message 2 of 13
gdale6
Moderator Emeritus

Re: Affinity FCU Cash Rewards

Pretty good approval there with 25K, a big congrats Smiley Happy

Message 3 of 13
M_Smart007
Legendary Contributor

Re: Affinity FCU Cash Rewards

Congratulations on your Affinity Approval..

Message 4 of 13
cashorcharge
Community Leader
Super Contributor

Re: Affinity FCU Cash Rewards

Congratulations on your approval!!

Message 5 of 13
Credit4Growth
Senior Contributor

Re: Affinity FCU Cash Rewards

Beautiful SL!  Congrats on the approval... and car loan as well! Hooray!Hooray!

 

Message 6 of 13
coreyb80
Super Contributor

Re: Affinity FCU Cash Rewards

Congrats on the approval!

Message 7 of 13
minski
Established Contributor

Re: Affinity FCU Cash Rewards

Thanks, all!

@AllZeroI just might. I lowered my Chase cards to $5000 a couple weeks ago. XD

Message 8 of 13
AverageJoesCredit
Legendary Contributor

Re: Affinity FCU Cash Rewards


@minski wrote:

I don't normally post my approvals but given the dearth of data on this CU, I decided to add my info to help.

 

Location: NY

SL: $25,000

APR: I don't know; they didn't tell me.

Income: low 6 figures

FICO 08: EX 810, TU 836

Inquiries: They pulled EX which had 1 scorable inquiry.

New accounts: 2 new in the past 12 months, the most recent being 3 months ago

No negatives and low DTI. I'd paid off my car loan but the reports had not reflected that yet. The only balance I am carrying is at 0% APR under $12,000. 

They requested 2 recent paystubs.

Process could have completed sooner but the email requesting the paystubs was sent to my Spam box and I didn't realized it until almost a week later. It took about 2-3 days since submitting the paystubs when the loan application got finalized. I am currently awaiting the card in the mail.

 

They did not ask me what CL I wanted. I wish they did because I only wanted $5000!

 


you should cld yourself! How dare a CU give a 100k income earning, 800+ Ficoing,  low dti individual 25k! The unmitigated galSmiley Wink

Message 9 of 13
AllZero
Mega Contributor

Re: Affinity FCU Cash Rewards


@minski wrote:

Thanks, all!

@AllZeroI just might. I lowered my Chase cards to $5000 a couple weeks ago. XD


I was kidding. If anything, ask for 2x CLI!

Message 10 of 13
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