@Cory88 I have not accepted any of the offers showing (else they wouldn't be there...lol) I also didn't apply for the CR card using these, although I do remember it was listed. I actually did my card application over the phone with a CSR and I did receive an EX HP, not thinking anything about those offers at the time.
In a recent conversation with a CSR about the auto loans, she did mention that Affinity does do SP credit checks each quarter when the pre-approved offers refresh. (which makes sense, to generate the offers) She made it clear to me though, that they use FICO 8 auto loan scoring to do auto loans.... 
.....ok. And other credit products would require an additional HP from FICO 8 bankcard scoring. So I couldn't use a single HP to apply for an auto loan & a PLOC, for instance, since they use different scoring models. That kinda blows. But I would imagine you could still double-dip on the HP if you applied for a CC and PLOC at the same time, since the same scoring model is used.
On Deck: No Plans Currently
@Taurus22 wrote:@Cory88 I have not accepted any of the offers showing (else they wouldn't be there...lol) I also didn't apply for the CR card using these, although I do remember it was listed. I actually did my card application over the phone with a CSR and I did receive an EX HP, not thinking anything about those offers at the time.
In a recent conversation with a CSR about the auto loans, she did mention that Affinity does do SP credit checks each quarter when the pre-approved offers refresh. (which makes sense, to generate the offers) She made it clear to me though, that they use FICO 8 auto loan scoring to do auto loans....
Thanks, for all the info people. Good data points.
@Taurus22 wrote:Typically with Affinity, the pre-approved offers start appearing around approx. 6 months of membership. On the website they are found on the right side of the front page, next to your listed accounts....
Just wanted to comment on this because I started getting preapprovals right away with them. However, I applied for a CC with them within a week of my membership approval, which resulted in a HP, so I think they used that score to show me other preapprovals. Also, those first preapprovals included their other credit cards, however after a few months, the CCs disappeared and all I see is for auto and PLOC. Does anyone else have SP preapprovals for their CCs? I just assumed they require a HP.
@KLEXH25 wrote:
@Taurus22 wrote:Typically with Affinity, the pre-approved offers start appearing around approx. 6 months of membership. On the website they are found on the right side of the front page, next to your listed accounts....
Just wanted to comment on this because I started getting preapprovals right away with them. However, I applied for a CC with them within a week of my membership approval, which resulted in a HP, so I think they used that score to show me other preapprovals. Also, those first preapprovals included their other credit cards, however after a few months, the CCs disappeared and all I see is for auto and PLOC. Does anyone else have SP preapprovals for their CCs? I just assumed they require a HP.
I was told my many reps that HP for cold apps and Pre Approvals. When I joined they told me a different story, it was in Jul 2021 so unless something changed lately.
