I recently heard of and gained interest in the nice Affinity Cash Rewards Card. I tried applying for membership (paying the $5 donation), but the application was denied. The tab says "Auto Denial." Anyone have experience with getting approved after a similar denial?
Did they do a hard pull on EX?
@GatorCowboyLion wrote:You should call recon 800.325.0808
I've seen some posts say that the customer service reps only say "I can't give you any more reason than the flat denial." Maybe it's worth a shot though.
@spiritcraft1 wrote:Did they do a hard pull on EX?
I was just trying to open a savings account and planned to go back and apply for the credit card later. No hard pull was done for the account application.
I would call Affinity and see what the issue is. That's strange. Have you opened many savings/checking accounts recently, or had any become delinquent? Those would trigger flags on Chex Systems. If not, it may be something that a CSR can help you work through.....their staff is extremely nice and helpful.
On Deck: Possibly Aven 3% Visa
@Taurus22 wrote:I would call Affinity and see what the issue is. That's strange. Have you opened many savings/checking accounts recently, or had any become delinquent? Those would trigger flags on Chex Systems. If not, it may be something that a CSR can help you work through.....their staff is extremely nice and helpful.
About 5 months ago I opened a few more banking accounts since I moved away from my local CU and wanted to take advantage of some higher rates. If this was an issue, hopefully in a few more months they'll let me.
EDIT: I've never had any deliquencies. So I'm taking your advice as me having a few new bank accounts seems sketchy to them.
EDIT2: I went and asked ChexSystems for a copy of my report. No negative info on there. It reminded me I've had a lot of addresses in the last 5 years (finishing school and moving apartments a few times after school) which may seem sketchy but wasn't a problem for any other FI.
@Elpadrino1 wrote:Something similar happened to me. I was denied at first, attempted again with the option to pre-fill my info by taking pic of Drivers Licens and it worked that way. Only two other reasons I have heard, were; not able to confirm identity and if a person has too many inquiries or negative items with Chexsystems.
I'll try pre-filling with my license the next time I apply, thanks for the tip!