cancel
Showing results for 
Search instead for 
Did you mean: 

Alternate Amazon Card: AFCU Visa ($12,300)

KLEXH25
Valued Contributor

Alternate Amazon Card: AFCU Visa ($12,300)

I’ve been interested in an Amazon card for a while and was deciding between Synchrony and Chase, until I learned about a third option while looking for a good savings account. Affinity Federal Credit Union (based in NJ) has a Cash Rewards Visa, which earns 5% at bookstores AND Amazon, as well as newly added 5% rotating categories. This immediately caught my attention, and after mulling it over for a while, I decided to join AFCU.

 

This past Saturday, I finally decided to go for it and applied for the card. All I got was a status screen that said it was approved, and that someone would be in touch within 24-48 business hours. I also got an inquiry alert from Experian. Today, I finally got an email saying I was approved for $12,300! This is my highest starting limit to date, and now my second highest credit limit. I don’t think I would have gotten this from either Synch or Chase, so I am very happy.

 

Application stats below (I got an AMEX BCP 3 weeks ago, but it was a SP approval and hasn’t reported yet, so I’m not including that information):

  • Fico 8 Scores: EX – 777 | TU – 777 | EQ – 778
  • Pulled: EX Fico 8
  • EX Inquiries: 8 (mostly auto, 0 scoreable)
  • Income: $74,000
  • AoOA: 2 yrs, 3 mo
  • AAoA: 1 yr, 6 mo
  • AoYA: 1 year*
  • # Accounts: 0/12*, 5/24*
  • Utilization: 2% (3 cards reporting 4% or less)

*Not including recent BCP

 

Related Posts: Joining AFCU | AFCU Cash Rewards Signature Visa



23 REPLIES 23
M_Smart007
Legendary Contributor

Re: Alternate Amazon Card: AFCU Visa

Congrats! ..

Message 2 of 24
AllZero
Mega Contributor

Re: Alternate Amazon Card: AFCU Visa

Congratulations on your approval!
Message 3 of 24
CreditAggie
Community Leader
Super Contributor

Re: Alternate Amazon Card: AFCU Visa

Congratulations on your AFCU Visa approval!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 month):  
Banks & CUs:                           Goal Cards:
                
Message 4 of 24
mrcraft
Valued Contributor

Re: Alternate Amazon Card: AFCU Visa

Congratulations on your approval!!




Message 5 of 24
James_A
Senior Contributor

Re: Alternate Amazon Card: AFCU Visa


@KLEXH25 wrote:

... approved for $12,300!

 


Great approval -- Congratulations! & thank you for the excellent DPs. Smiley Happy Good stuff!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 6 of 24
gdale6
Moderator

Re: Alternate Amazon Card: AFCU Visa

Nice approval, enjoy it Smiley Happy
Message 7 of 24
cashorcharge
Community Leader
Senior Contributor

Re: Alternate Amazon Card: AFCU Visa

That's great!  Congratulations!!

Message 8 of 24
KLEXH25
Valued Contributor

Re: Alternate Amazon Card: AFCU Visa

Thanks all! After a slightly disappointing SL for the BCP, and waiting 3-4 days for an answer on this card, it was well worth it!



Message 9 of 24
Credit4Growth
Senior Contributor

Re: Alternate Amazon Card: AFCU Visa ($12,300)

Hooray!Hooray!

Congrats on the SL and Approvals

Message 10 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.