topic Re: Happy Fathers Day and 40K Approval! in Credit Card Approvals

Happy Fathers Day and 40K Approval! UPDATE

Anonymous — Sat, 01 Jul 2017 02:07:59 GMT

First Tech FCU based in Beaverton, OR

Think they are now in at least 7 states, joined via Computer History Group...could be more states...unknown.

Went for their travel rewards card - Odyssey World Elite Master card.

minimum starting credit limit is 25K...approved for 40K

data points: 31 Inq, they pulled Experian (728)

util at less than 1% AAOA = 2.2

total available credit limits is $254K

my interest rate is their lowest tier at 11.74%

THRILLED.

received email thanking me for applying and link to status of app, while checking into that, I received an approval email with my limit and interest rate....4 minutes later.

Two card designs to choose from.

Been closing a ton of cards and decided to try for the Odyssesy.

Good luck all. And Happy Fathers Day All.

Re: Happy Fathers Day and 40K Approval!

AverageJoesCredit — Sun, 18 Jun 2017 18:07:11 GMT

Wow amazing limit, lol id close out a few too with that baby. Very cool sounding card too

Id say maybe thankfully they are region specific or we might have a new Fico stampede with that kind of limit given

Re: Happy Fathers Day and 40K Approval!

Anonymous — Sun, 18 Jun 2017 18:17:40 GMT

TY...

ya no doubt on stampede. LOL..been researching CU...heard more states were being added, so apping I went.

Re: Happy Fathers Day and 40K Approval!

CreditCuriosity — Sun, 18 Jun 2017 19:13:12 GMT

Wow awesome limit.. I think they pull Experian 2 correct? Assuming with that limit you are will into the 6 figures as well

Re: Happy Fathers Day and 40K Approval!

B335is — Sun, 18 Jun 2017 21:00:17 GMT

Congrats nice approval! How long have you been a member of First Tech?

Re: Happy Fathers Day and 40K Approval!

Anonymous — Sun, 18 Jun 2017 21:08:27 GMT

Ty . Joined just today. 😄

Re: Happy Fathers Day and 40K Approval!

Anonymous — Sun, 18 Jun 2017 21:14:49 GMT

TY.
CC - not sure on the Experian 2, but had single pull on Experian this morning. Their app was way different than Langley, Penfed or Truwest.
Thought the data might help others, as I have NOT read Approvals here much lately or I get urge to app. LOL.
Trimming down phase after rebuild.

Re: Happy Fathers Day and 40K Approval!

mattmyFIC0 — Sun, 18 Jun 2017 21:24:07 GMT

Did they want POI? I've had approvals from CUs before where you get approved and then realize it still has to be reviewed by an underwriter who may want POI etc...

Re: Happy Fathers Day and 40K Approval!

Anonymous — Sun, 18 Jun 2017 21:26:29 GMT

No POI, in email approval it lists additional items needed and none were listed.
If they need POI, more than ready to provide. May be an up and coming CU.

Re: Happy Fathers Day and 40K Approval!

BPebbles — Sun, 18 Jun 2017 22:25:37 GMT

WHOA!! 40K!! That's just OUTstanding!! Congrats to you!!

Re: Happy Fathers Day and 40K Approval!

Marcos8 — Mon, 19 Jun 2017 01:18:31 GMT

Insane approval! Congrats!

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 01:34:23 GMT

Thanks all...looking forward to seeing the card. 😄

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 02:51:14 GMT

Wow, azdesert! I would fall over flat seeing an approval like that! $40K in one pop! Congrats to you, and enjoy your newest and most awesomeness card!

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 03:08:17 GMT

Nice starting limit! Congrats!

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 03:53:17 GMT

Holy geez!!! That's an awesome approval. Happy for you!

Saw you had 254k in total limits. How old is your oldest CC tradeline and how many CCs did you already have?

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 12:58:23 GMT

TY! pretty stoked on this approval !

my current open accounts showing are 31, 2 more will show closed in couple days due to my trimming down

5.3 yrs is my oldest tradeline (now closed)

took 2 point hit on EX, showing "new appication" from Oregon based CU and then app for the card out of CA.

bringiny my EX to 728 (actual score was 730 when I apped yesterday)

TU at 740

EQ at 733

hope data points help others who are interested in First Tech

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 15:44:15 GMT

Wow! Congrats on the awesome approval!!!

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 16:40:02 GMT

Congratulations!! I think first tech is sensitive to number of new accounts opened in the last one year. I have been a member with them for 2 years now.

Re: Happy Fathers Day and 40K Approval!

kaw943 — Mon, 19 Jun 2017 20:00:44 GMT

@AverageJoesCredit wrote:
Wow amazing limit, lol id close out a few too with that baby. Very cool sounding card too

Id say maybe thankfully they are region specific or we might have a new Fico stampede with that kind of limit given

I went to the site to check it out and did not see any region lock, I selected the card to apply and got to the section to fill out the actual application which is after you enter name and email address. It does ask if you want other services with them but no indication that you have to first have a checking or savings or other product. Disclaimer I stopped after getting to the actual application to fill out but I am sure someone might go all the way. Those min starting limits are crazy 25k max of 100k on the Odessy and 10k max of 35k on the choice rewards card before dropping to 500.00 on 3 other lower tier cards.

Re: Happy Fathers Day and 40K Approval!

Anonymous — Mon, 19 Jun 2017 21:36:59 GMT

Actually think the Odyssey goes up to $110k.

UPDATE!

Spoke to them this morning, digital docs signed and sent. PIN arrives in 3 to 5 days, she said my new card arrives in 7 to 10 days. Heck ya!
Thanks all.