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Affinity FCU - How long did it take your new credit cards to report?

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randomguy1
Valued Contributor

Affinity FCU - How long did it take your new credit cards to report?

When you applied for a new card, how long did it take to report?

 

Also, do they have any specific nuances such as Chase or US Bank? Does the statement close on unique dates or do they always report on the same day every month? What about when you pay off the card? Does Affinity update it to zero? Are there any other specific Affinity items to be aware of?

 

Thanks!

Message 1 of 11
10 REPLIES 10
GatorCowboyLion
Regular Contributor

Re: Affinity FCU - How long did it take your new credit cards to report?

I don't know most of your questions. The new account didn't alert DWs Chase credit journey. It did pop up on her credit report but I don't know how long that took to show. I do know DWs card opened 8/6, but the statement closed 8/31 and it's due 9/25. We didn't request that, it's just what happened. Congrats on the new card!

Message 2 of 11
expatCanuck
Super Contributor

How long for Affinity to report to bureaus?

Anyone know roughly how long after issue of a card/first statement Affinity reports to the credit bureaus?


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8435 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8145 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 3 of 11
FireMedic1
Community Leader
Mega Contributor

Re: How long for Affinity to report to bureaus?

Since you havent gotten a responce yet. Check this thread from Sept. It may answer your question:

https://ficoforums.myfico.com/t5/General-Credit-Topics/Affinity-FCU-How-long-did-it-take-your-new-cr... 


Message 4 of 11
Duke_Nukem
Established Contributor

Re: How long for Affinity to report to bureaus?

It only took 1 month for me.  Approved 5/3 and reported to all 3 CRA's by 6/3.  Statement cuts on 1st of each month.


Message 5 of 11
expatCanuck
Super Contributor

Re: How long for Affinity to report to bureaus?

@Duke_Nukem @FireMedic1 

Thank you both.

 

In my case, the total time from approval to reporting was ~2 weeks.  Approved around the 20th of last month, and it's now showing on EX and TU.  Hasn't hit EQ yet.


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8435 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8145 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 6 of 11
Anonymous
Not applicable

Re: Affinity FCU - How long did it take your new credit cards to report?

Almost immediately after I incurred a debt.

Message 7 of 11
expatCanuck
Super Contributor

Affinity not reporting on EQ

Acquired an Affinity card last month.

 

Hit EX and TU 1-Nov, give or take.

 

Does Affinity not report to Equifax?


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8435 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8145 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 8 of 11
arunkumarmm
Regular Contributor

Re: Affinity not reporting on EQ

I have also got an affinity card last month and never paid close attention until I saw this post. Even mine did not report to EQ

Message 9 of 11
Duke_Nukem
Established Contributor

Re: Affinity not reporting on EQ

Affinity reports to all 3, so it may just be delayed from AFCU themselves or just EQ.  My EQ report that I pulled from CK yesterday doesn't have AFCU updated for November yet... last AFCU update on EQ was 10/1.


Message 10 of 11
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