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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
Epic Contributor

Re: Alternate Amazon Card: AFCU Visa

Congrats! ..

Message 2 of 24
AllZero
Super Contributor

Re: Alternate Amazon Card: AFCU Visa

Congratulations on your approval!
Message 3 of 24
CreditAggie
Senior 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 (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 4 of 24
mrcraft
Valued Contributor

Re: Alternate Amazon Card: AFCU Visa

Congratulations on your approval!!






Message 5 of 24
James_A
Valued 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
Valued 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
Valued Contributor

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

Hooray!Hooray!

Congrats on the SL and Approvals

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 10 of 24
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