Affinity FCU denied because of chex.. will applying in person help?

[Neiltyson]

I've been denied by Affinity a few times over the years. 

I will finally be traveling in New Jersey area this week. Would applying in person help approval odds? Or does chex still apply in person even with manual verification?

[SouthJamaica]

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@Neiltyson wrote:

I've been denied by Affinity a few times over the years. 

I will finally be traveling in New Jersey area this week. Would applying in person help approval odds? Or does chex still apply in person even with manual verification?

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Chex does apply when you apply in person. It may make a difference as to the reason for your previous denials. If there's a negative, you may need to work at getting it removed. If it's an identity thing, your applying in person would make a difference. If it's a quantity of recent inquiries thing, that goes away after time, probably 3 months or so.

[Neiltyson]

@SouthJamaica 98% sure it's a quantity thing. Guess I'll try again in person and see how it foes5

[AndySoCal]

@Neiltyson  My suggestion is to get a copy of your Chex report from here

https://www.chexsystems.com/ 

The report is free. If it is a negative item you can work to fix it. If it is too many new deposit accounts just wait awhile.

There is also this from the doctor of credit

https://www.doctorofcredit.com/banks-credit-unions-chexsystems-inquiry-sensitive/#Affinity_Credit_Un... 

[FicoMike0]

I've opened 10 accounts in the last year (collected $3000 in subs), turned down once for chex. Let me ask, what is affinity offering that's worth crossing the street for, let alone going to new bleeping jersey for?

[Outbackexplorer]

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@FicoMike0 wrote:

I've opened 10 accounts in the last year (collected $3000 in subs), turned down once for chex. Let me ask, what is affinity offering that's worth crossing the street for, let alone going to new bleeping jersey for?

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They have a checking account with a 10% back debit card if you meet a couple requirements (iirc it's DD and like 15 purchases on the card a month). The amount you can get back maxes out at like $15 a month, but still getting paid $15 a month to have a checking account is pretty cool. Alternatively they have a high yield checking account that pays 5.50% on up to $15000 with the same requirements.

They also have a credit card that gives 5% at Amazon (up to $1000 a month) without needing prime, but I've heard recently only orders that are shipped and sold by third parties (rather than Amazon) are qualifying for the 5% back so idk how good it actually is.

[Neiltyson]

Update... I applied in person and GOT ACCEPTED!!

Will wait a bit to apply for credit card 

Wish I had time to drive down to Baltimore to try NIH FCU as well.  They declined me online because of Chex. 

[ptatohed]

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@Neiltyson wrote:

Update... I applied in person and GOT ACCEPTED!!

Will wait a bit to apply for credit card 

Wish I had time to drive down to Baltimore to try NIH FCU as well.  They declined me online because of Chex. 

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Congrats!!