topic Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals.... in Credit Card Approvals

Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 02:39:17 GMT

I learned about this Credit Union thru watching YouTubes in October of last year (2020)....5 months ago...Back then I used to watch YouTube's a lots as my only source of information on credit game. There was much talk about this credit union on other forums as well...and then I hooked up with another credit group wherein this CU was discussed nonstop, and majority of opinions were there that its impossible to get any account with this CU for a person in my shoes...And since I love challenges, I started to dig more into it which landed me to this forum in the 2nd week of last December (2020)....More I learned about it, more it became evident to me that it is none to impossible (for ME) to be able to obtain any credit with this CU...I am sure there might be some people out there, but I personally have NOT seen, not even one case, wherein someone who has 45 open/active revolving accounts and more than $650k total available CL, to have been able to open any account with this CU. One or two cases I have seen but credit line was not more than $25k...and I don't know how many open accounts and total available CL they had when they got approved....This CU seemed EXTREMELY...I mean EXTREMELY sensitive to those in my shoe. No matter what score, income, thick profile we have, it doesn't matter to this CU...They will NEVER approve for a person like myself.

A few months ago I read on another credit group that a guy was able to get approved for this card while working as a janitor with less than $30k yearly income...This card has minimum credit line of $25k...I did have private chat with him back then...He told me that he believed that the reason for him to be able to get approval for this card might be because he did not have many accounts...His datapoint didn't help me much because my profile is thicker than him and I have too many open accounts and tons of available CL...but his datapoint did give me a glimpse of hope that maybe..just maybe this CU might budge from their norm like they did in this guys' case when they approved him with $30k yearly income which is against all data points out there on income when it comes to this CU...Because it's widely known or believed that this CU caters only to high roller (income-wise). So, a break in their own datapoint by this CU, gave me a slim hope that they may budge in my case as well when it comes to number of open accounts and total available CL...Not much hope there but a slim glimpse ...just maybe....So I started planning to get into their bones...I said to myself- what I have to lose...a HP...no problemo...I have many to burn...Right? Famously said this over here...I love this slogan...lols...It does motivate us (at least to ME), believe me....

So, one side I had a challenge to go thru, while other side I knew for sure that I will never be able to get any account with this CU. Soon it became a challenge of my lifetime...everyday it started to thrill me in thinking how to nail it down to get into their bones...I was patiencely waiting for the time when I would get to apply my share of cards...and early of this month was that time...and I triggerred the pull. You can join them thru a Fitness association at the same time applying for their membership and credit card...They pay partial fee to join a Fitness Association. I got the message- "Thank you for applying membership and account with them. They will contact me in 7-10 days"....Next day I received an email telling me that I am CONDITIONALLY approved for $47k. I was like-what's the hell..fell off my chair...I couldn't believe this...I said to myself that it could not be true...I started to read their email over and over and over...until I came to sense that its indeed true...but then I also realized that its not over yet...because its conditionally approved...so waiting game started to hear from them...

Every day I was checking my emails 100 times a day...even junk folder...but there was nothing...A few times I thought to give them a call but I didn't want to wake up a sleeping dog...Exactly 8 days later I received an email from them wherein tons of documents were asked, such as front and back side of DL, front and back side of SS card, copy of utlitily bill within 30 days, POI for 30 days...they also asked me a selfie holding my DL...I immediately sent to them thru the link they provided...but very next day I received another email telling me that they have rejected all my documents because they want fully colored all those documents and in high resolution and only in PDF format...I made those documents as they asked for...Next day they rejected them again by saying not cleared even though I scanned them in my own office thru the scanner...So I took them to FedEx office nearby and got them scanned and sent those documents again...I did not hear from them for 5 days, so I assumed they accepted those documents, but then I got an email from them after 6 days later that they want my 5 years tax returns (with all pages), copy of my bank statements for the last three years and phone number and address of the accounting firm who made my tax returns and did accounting job. I did send those to them in 2 days...

4 days later I got the call from my accounting firm that so and so people called from First Tech FCU and inquiring about my tax returns and my business dealings...Accounting firm told me that they didn't provide them anything without asking me first. I gave them the permission...And then my financial records were submitted to First Tech by my accounting firm...A few days later I received another email message from them wherein they sent 4506-T which I needed to print out..sign it up and send them back...They want me to permit them to obtain my 5 years' tax record from IRS...I had nothing to hide, so I gave them permission by signing that document...After 7 days later of signing that document, I received an email message that they approved me for $81k, rather than initial approval of $47k. It blew my mind off...First, I never thought...even in million years that I will ever get approved with this CU...let alone to be for this much SL...This is my highest CL ever. I am not from a rich family...I grew up as a very poor person in an immigrant family...never seen big money until lately...only in last 5-6 years...when I turned my life around...Yes, the age of my oldest account is 13-15 yrs, but I had only 3 accounts back them...never was into this credit game...until 7-8 yrs back...and even though I got into this game only 7-8 yrs ago I was actually acquiring only 1-4 cards in a year or so...

As for the datapoint then as you guys already know, from my previous postings, that I have just recently (within 3 weeks) applied for a few cards after a very long time...27 months later ...except for one card (PenFed Gold Visa) which I got approved for in August, 2020...more than 7 months ago. So, I have had only one inquiry across all 3 CBs...and that was on EQ (from PenFed)...First Tech did HP from EX...at that time I had 3 inquiries on my Experian credit report...FICO score was 812...income- $285k (self-employed), age of oldest account 13-15 yrs, 45 open/active revolving accounts. Total available CL - 650k....No any installment account. Total zero balance on ALL accounts...no student loan, morgage, personal loan, car loan...no bankruptcy, collection, charge-off, lien...very clean profile...By the way, they also did HP on LexisNexis (twice) and ChexSystem. Thanks God that I already cleaned LexisNexis in the end of Janauary of this year as my LexisNexis contained 500 telephone numbers for the last 30 years and 200 addresses over the years which was totally wrong...I never lived at those addresses nor had those phone numbers...I have been living at the same address for the last 28 yrs...I made them to have deleted only in January of this year. So, make sure you check all the credit reports out there and update info therein...and to have deleted too many addresses and phone numbers (even if they were right) because many lenders could deny you based on those record...

So, this is Odyseey Reward World Elite Mastercard....$81k limit...6.99% APR (doesn't matter to ME as PIF anyway)...AF is $75 but its waived for first year...It was a very smooth online process...Only one time I got the call from them to drill me about my business income...Seemed he was their accountant...was going line by line...too much arguing...I felt as if I was in a courtroom as an accused. No any sweet lady there...lols...So, here is the datapoint- you can get approved with this CU even if you have many open accounts and big CL available...I honestly do not know what was the deciding factor for them to approve me...maybe I have a very clean profile...or maybe I owe nothing on those accounts which made them believed that I might use their account...I really don't know what, but I take it...With Navy Federal, I hoped to get approval for at least $1k rather than a flat-out denial, but with this CU I never thought that I even get an approval....Many people suggested on another group that one should always go for their cash back card which has minimum of $10k SL because if anyone would go for this one and if CU is not willing to extend at least $25k then it would be a denial right out. But I didn't go with them just for the sake of opening an account or just to get into their doorstep, rather I took them as a challenge as to either this card or no card with them...Thanks God that my financial record was in order, which is where they drilled me on....

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 02:22:57 GMT

On a side note, I have been reading over here that many people asked for CLI on their Well Fargo's Propel card as its a SP...I have Propel account for the last 7-8 yrs with $32K...So, only last week I gave them a call for CLI, only if they would do SP...I have never asked for CLI on this account...CSP asked a few questions and right away offered me $13k. She said that if I would want more then she would need to transfer me to their credit department....I accepted $13k increase...and within a second I saw my total limit now is $45k..I saw a SP on my Experian credit report from Well's Fargo.

Further, I am approved for Fidelity Rewards Visa Signature card as well last week for $31k SL. I had no any account with Fidelity, so I was not able to apply for this card online...Their system needs you to have some kind of Fidelity account...So I first opened a basic account with them...Of course, they did HP from ChexSystem and LexisNexis as well....and once my checking account is opened, I was able to apply right away for this credit card...For this credit card they did HP from EX...at that time I had 5 inquiries on EX...All other data was the same. They manually reviewed my application and it took them 5 business days to get back to me to tell me that I am approved...I thought they will deny me because of 5 inquiries in there as I already got denial by NASA because of 4 inquiries. I strongly believe that the reason for me to get approval for this card is because I have two long timer signature Visa card with huge credit limit with this lender- Elan Financial. Long relationship with this lender...So it was a very happy ending there as well...

Further, Langley Credit Union approved me two weeks ago for $30k SL...First I had to get their membership...which took two days to get approved...everything online...No POI...nothing...just copy of DL and Utility bill...$5 donated for their membership...They also automatically gave me an approved offer for a car loan for up to $75k (which I didn't take it as I don't need it)...I opened saving and checking account with them...Very easy and smooth process....Did HP from EQ...I had FICO score 831 and 3 inquiries.

I also got approved for DCU Platinum Visa card for $26,300k with 8.50% apr...no POI asked..They did HP from EQ..I had 2 inquiries there...and FICO score 831. I was able to get their membership by donating $10 to Reach Out for School for one year membership...and then another $5 as a membership saving account with DCU....It took them 3 business day to approve me. They are now offering 6.7% apr interest on saving account for up to $1000...I made $1000 deposit which will give me extra chunk of $67/yr...not bad...It could easily pay AF for my First Tech credit card...lols...

Affinity FCU approved me for their Cash Rewards Visa Signature card for $39k...I got their membership thru NJ Coalition for Financial Education by donating $5...and then another $5 for this CU saving membership account...It took them 2 business days to approve my membership and them one day to approve their Visa card...but they approved my credit card conditionally as I was asked for POI...either 2 paystubs if employed or two years' tax returns if self-employed....and after sending them POI, it took them 5 business days to call me back...Their underwriter called me...she asked tons of verifying information, nothing related to income though, and approved me right over the phone....They did HP from Experian, LexisNexis and ChexSystem. I had 7 inquiries on EX by then....and FICO score 812.

I am also approved for Alliant FCU- Platinum Rewards Visa for $25k...soft pull for the membership from TU and LN...and HP from TU for the credit card. Instant approval online...No POI...my FICO score with TU was 826...and only one inquiry...

I also get approved for Founder Visa card by PSECU....I joined them by donating $10 to Pennsylvania Recreation and Park Soceity, and PSECU also match another $10 to this society. And I had to open a membership savings accocunt for $15. It took 3 days to become member...they did ask to upload, copy of DL only, for the membership. Once I became member, I immediately applied for their Founder Rewards Visa...I like this card as it has no BT fees...I got approved for $30k....but I was asked for paystubs for 30 days and two last years' W-2 if employed....for self-employed they asked me last 3 years' tax returns...and a week later they asked me to sign 4506-T to obtain my last 3 years' tax returns...They did HP from EX...my Fico score was 812 and 7 or 8 inquiries...

I applied with AOD as well...they did HP from EQ...my score was 831...and 2-3 inquiries...they sent me an email (DocuSign) to send them all those documents...but I was not able to send those documents because of being a bit sick from Covid vaccination...and then I received a denial letter from them within a week for not sending those documents...So last week I contacted the lady, who sent me that message to upload documents, thru the email and explained to her as to why I was not able to send those documents...Two days later she sent me another link to send those documents....So I have now already sent her last Monday...Until now I have not heard anything from her...5 business days already gone...So, don't know what would happen...just keeping my fingers crossed...But I couldn't believe that they sent me a denial letter just after 7 days later of requesting those documents...otherwise, other lenders wait for 30 days....Unbelievable...Don't know why, but I don't have a good feeling with this lady who sent that link...We haven't talked yet, but in her 3 emails there is no any hello ...hi...Otherwise, I might have tried to charm her....perhaps...Don't know if she would ever call me or would just process my application based on documents...I dunno at this point...As per the datapoint, most people have had received a call from them within 3-4 days after submitting those documents...but in my case its already been 5 business days... I am not in rush...nor I care much...So, its still pending....

I also applied for Discover card, but it got denied. The only reason was given- too many inquiries. I had 8 inquiries at that point. I really wanted this card because I had this card until 6 months ago which had credit limit $53k. That account was opened 7 yrs back..and excellent payment history and big big actions...It initially opened with $15k but they automatically increased each time because of my heavy actions...I never asked for CLI...It got closed down because of non-activity...That has hurt me so bad...because they closed it down for such a stupid reason a very long time account and without any warning/notice...That time I didn't know that lenders do close down accounts for non-activity...I thought if I get approved now then I might get the same limit that I previously had with them. That account is showing up on my credit reports as a closed account, and payment history and credit limit are there for any lender to see..

So I am really disappointed that their system denied me this time for this reason, while there are many people who are getting approval even though they have 30-40 inquiries...But the good things are- (1) I did prequalification on their site to see if I get approved or not...So it was denied on SP from EX. No HP..but it doesn't matter anyway because its denied now...(2) I had all together 11 inquiries on my EX, in two weeks period, which all got deleted by EX supervisor yesterday without me asking/requesting anything. My call went to their call center at abroad...I speak that supervisor's native language very fluently...and I talked to him in his native language...but I never asked him to remove my inquiries at all...Actually, he didn't completely remove them, rather transferred them to the section of soft inquiries...which nobody will see anyway except me...

So, now EX has zero inquiry on my credit report. That means I can apply for Discover again along with whichever bank/CU...The denial letter from Discover states that I can reapply after 8 days if I want...and 8 days already gone by..and now they might not have another reason to deny me...All these new accounts are not showing up yet on my credit reports...So I will definately try it next month because I wanna try along with two other cards which were denied too for the same reason...Chase Ink Business and NASA...both denied me because of too many inquiries...But now no inquiry at all..and new accounts are not reported yet...For Chase and NASA, I have to wait full 30 days from the last denial...That's why I will apply next month in the middle...All 3 of them...I don't think any new account will show up by then...as it takes at least 6 weeks for a new account to show up...but I am not sure about Alliant and Affinity as I have heard that they are very quick in reporting...Oh well...there is nothing I can do...because I have to wait 30 days anyway for Chase and NASA...They both pulled HP from EX...

I also tried AMEX pre-qualification...which stated that I am qualified to apply almost all their cards...Keep it in mind that their pre-qualified tool never before showed any offer for me because I have been blacklisted by them for the last 25-27 yrs because of my past relationship with them...Same goes to Bank of America, Symphony bank and Chase too...But Chase did give me 3 different credit cards 8 yrs back with huge line of credit...but not Amex, Symphony and Bank of America...I think their memory is longer...lols...So when I saw now about getting pre-qualified offers from Amex and Bank of America, as I did check with them thru their pre-qualified tool, I was very happy...I have been very much interested in their cards...So I applied Amex card...instantly denied without giving me any reason...a week later I received the denial letter wherein the only reason they mentioned is- my past relationship with them. And there was no any HP from them. So, pre-qualification tool with Amex could mislead to those who were blacklisted; otherwise its very reliable.

I applied for Bank of America cash Rewards card as well after being pre-qualified for all their cards. I got the message that they will get back to me in 7-10 days...I knew that they will not approve me either...like Amex...It took them 2 weeks to send me a message that they denied me but no reason was given...I forgot about it..and believed that their pre-qualification tool is also not fully reliable..at least in case of those who are blacklisted...However, 2 days ago I received a letter from them thru snail mail wherein they asked me to call them...The later was dated 10 day ago...Yesterday I called them on the number indicated on the letter...It was their Fraud Dept...a nice lady who was working from home answered...She was getting her system back up online...It took her full an hour while I was still online...So we were talking other stuffs while she was waiting for her system to get back...she was very pleasant lady. I think I do get along with ladies just fine..lols...She was kept apolozing for holding me on for this long...I was kept saying to her that its ok...don't worry...Then when system came back...she asked 6-7 verifying questions...name of a person who lives in my household...how much credit limit I have on a particular credit card...she (or their system) purposely picked up a credit card which hasn't been used for a long time...but she didn't know that I also have a very good memory to remember everything about myself...and a few more questions..After those questions she said that I am all set and I would get the response in the mail in 7-10 days or I can check the status online after 48 hours as this much time it takes for their system to update...It did puzzle me though as to what's going on...I thought I am denied because I did get denial message from them...but then this fraud department and credit card application ??? Anyway, tomorrow I will know what's going on...If I get approved for Bank of America, then it means I am no more blacklisted...and I will be very much happy...As for AMEX then I know for sure that AMEX has't forgiven me yet....or might never forgive me....Oh well...There is nothing I could do now...I can not do anything about the past...I have to live in present and think about the future....

I know some people would say that removal/deletion of inquiries on open accounts would make my accounts shut down...which might be true...but I didn't ask anyone to remove inquiries. I called them for something else...We were discussing about score and some other stuffs...I noticed only next day when all the inquiries got transferred as soft inquiries...If ever any lender will close my account then I will tell the truth...If they would still insist not to open my account after closing then there is nothing I could be able to do anyway...Lenders can/do close down accounts at anytime even without a reason...Same goes for shutting down for opening too many accounts in a short periord of time...I know lenders can close down accounts when they see someone has opened too many accounts...I think I have opened 7-9 accounts,..but if any lender wanna close my account then so be it...There is nothing I could do except next time I will apply 2-3 cards at max in 5-6 months...Timing was essence for many of my new accounts...I know that I will be gardening for at least 2 years after this...unless something very compelling comes along...

Thank you everyone for your support along this journey...I know sometimes some opinions seem very offensive....prejudicial...one-sided as if you are being purposely picked up for the argument or to put you down...but I don't take anyone's opinions as an offense or an act of jealousy because I know that people do try to help you even though their opinions seem prejudicial at time...Having said that, I really appreciate everyone...If not for the information from you kind people, I have certainly not achieved this result...Thank you..Thank you...Thank you...God bless you all...

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

AllZero — Sun, 28 Mar 2021 00:27:52 GMT

Congratulations on your monster approval and APR! This is a great read. Thank you for sharing your story. What an amazing outcome after that extremely thorough probe of your finances.

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

CreditMagic7 — Sun, 28 Mar 2021 00:27:58 GMT

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

AllZero — Sun, 28 Mar 2021 00:33:09 GMT

ETA Congratulations on your other approvalssssssssss!!!!!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

FinStar — Sun, 28 Mar 2021 01:02:35 GMT

Are there any pics/images (even through imgur) you could share associated with some of these approvals? Obviously, not a requirement, but the great majority of our community members like to showcase their aspirational milestones for other members to see, whether it's their first time posting on Approvals or those "high rollers" you referenced. Just food for thought.

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

CreditAggie — Sun, 28 Mar 2021 00:49:19 GMT

Congratulations on ALL of your amazing approvals!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 02:48:25 GMT

Wow, you had quite the successful spree there with some huge limits out of conservative lenders like First Tech and DCU, congrats!

As for AOD, They started offering a SUB on the card so they got a whole new wave and that's on top of people trying to get their stimulus deposits and everything. Just give them time.

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

pizza1 — Sun, 28 Mar 2021 01:28:03 GMT

@FinStar wrote:
Are there any pics/images (even through imgur) you could share associated with some of these approvals? Obviously, not a requirement, but the great majority of our community members like to showcase their aspirational milestones for other members to see, whether it's their first time posting on Approvals or those "high rollers" you referenced. Just food for thought.

@FinStar , took the work right out of my mouth

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

CH-7-Mission-Accomplished — Sun, 28 Mar 2021 01:34:40 GMT

@Anonymous wrote:
I learned about this Credit Union thru watching YouTubes in October of last year (2020)....5 months ago...Back then I used to watch YouTube's a lots as my only source of information on credit game. There was much talk about this credit union on other forums as well...and then I hooked up with another credit group wherein this CU was discussed nonstop, and majority of opinions were there that its impossible to get any account with this CU for a person in my shoes...And since I love challenges, I started to dig more into it which landed me to this forum in the 2nd week of last December (2020)....More I learned about it, more it became evident to me that it is none to impossible (for ME) to be able to obtain any credit with this CU...I am sure there might be some people out there, but I personally have NOT seen, not even one case, wherein someone who has 45 open/active revolving accounts and more than $650k total available CL, to have been able to open any account with this CU. One or two cases I have seen but credit line was not more than $25k...and I don't know how many open accounts and total available CL they had when they got approved....This CU seemed EXTREMELY...I mean EXTREMELY sensitive to those in my shoe. No matter what score, income, thick profile we have, it doesn't matter to this CU...They will NEVER approve for a person like myself.

A few months ago I read on another credit group that a guy was able to get approved for this card while working as a janitor with less than $30k yearly income...This card has minimum credit line of $25k...I did have private chat with him back then...He told me that he believed that the reason for him to be able to get approval for this card might be because he did not have many accounts...His datapoint didn't help me much because my profile is thicker than him and I have had too many open accounts and tons of available CL...but his datapoint did give me a glimpse of hope that maybe..just maybe this CU might budge than their norm like they did in this guys' case when they approved him with $30k yearly income which is against all data points out there on income when it comes to this CU...It's widely known or believed that this CU caters only to high roller (income-wise). So, a break in their own datapoint by this CU, gave me a slim hope that they may budge in my case as well when it comes number of open accounts and total available CL...Not much hope there but a slim glimpse ...just maybe....So I started planning to get into their bones...I said to myself- what I have to lose...a HP...no problemo...I have many to burn...Right? Famously said this over here...I love this slogan...lols...It does motivate us (at least to ME), believe me....

So, one side I had a challenge to go thru, while other side I knew for sure that I will never be able to get any account with this CU. It became a challenge of lifetime...everyday it started to thrill me in thinking how to nail it down to get into their bones...I was patiencely waiting for the time when I would get to apply my share of cards...and early of this month was that time...and I triggled the pull. You can join them thru a Fitness association at the same time applying for their membership and credit card...They pay partial fee to join a Fitness Association. I got the message- "Thank you applying membership and account with them. They will contact me in 7-10 days"....Next day I received an email telling me that I am CONDITIONALLY approved for $47k. I was like-what's the hell..fell off my chair...I couldn't believe this...I said to myself that it could not be true...I started to read their email over and over and over...until I came to sense that its indeed true...but then I also realized that its not over yet...because its conditionally approved...so waiting game started to hear from them...

Every day I was checking my emails 100 times a day...even junk folder...but there was nothing...A few times I thought to give them a call but I didn't want to wake up a sleeping dog...Exactly 8 days later I received an email from them wherein tons of documents were asked, such as front and back side of DL, front and back side of SS card, copy of utlitily bill within 30 days, POI for 30 days...they also asked me a selfie holding my DL...I immediately sent to them thru the link they provided...but very next day I received another email telling me that they have rejected all my documents because they want fully colored all those documents and in high resolution and only in PDF format...I made those documents as they asked for...Next day they rejected them again by saying not cleared even though I scanned them in my own office thru the scanner...So I took them to FedEx office nearby and got them scanned and sent those documents again...I did not hear from them for 5 days, so I assumed they accepted those documents, but then I got an email from them after 6 days later that they want my 5 years tax returns (with all pages), copy of my bank statements for the last three years and phone number and address of the accounting firm who made my tax returns and did accounting job. I did send those to them in 2 days...

4 days later I got the call from my accounting firm that so and so people called from First Tech FCU and inquiring about my tax returns and my business dealings...Accounting firm told me that they didn't provide them anything without asking me first. I gave them the permission...And then my financial records were submitted to First Tech by my accounting firm...A few days later I received another email message from them wherein they sent 4506-T which I needed to print out..sign it up and send them back...They want me to permit them to obtain my 5 years' tax record from IRS...I had nothing to hide, so I gave them permission by signing that documents...After 7 days later of signing that document, I received an email message that they approved me for $81k, rather than initial approval of $47k. It blew my mind off...First, I never thought...even in million years that I will ever get approved with this CU...let alone to be for this much SL...This is my highest CL ever. I am not from a rich family...I grew up as a very poor person in an immigrant family...never seen big money until lately...only in last 5-6 years...when I turned my life around...Yes, the age of my oldest account is 13-15 yrs, but I had only 3 accounts back them...never was into this credit game...until 7-8 yrs back...and even though I got into this game only 7-8 yrs ago I was actually acquiring only 1-2 cards in a year or so...

As for the datapoint then as you guys already know, from my previous postings, that I have just recently (within 3 weeks) applied for a few cards after a very long time...27 months later ...except for one card (PenFed Gold Visa) which I got approved for in August, 2020...more than 7 months ago. So, I have had only one inquiry across all 3 CBs...and that was on EQ (from PenFed)...First Tech did HP from EX...at that time I had 3 inquiries on my Experian credit report...FICO score was 812...income- $285k (self-employed), age of oldest account 13-15 yrs, 45 open/active revolving accounts. Total available CL - 650k....No any installment account. Total zero balance on ALL accounts...no student loan, morgage, personal loan, car loan...no bankruptcy, collection, charge-off, lien...very clean profile...By the way, they also did HP on LexisNexis (twice) and ChexSystem. Thanks God that I already cleaned LexisNexis in the end of Janauary of this year as my LexisNexis contained 500 telephone numbers for the last 30 years and 200 addresses over the years which was totally wrong...I never lived at those addresses nor had those phone numbers...I have been living at the same address for the last 28 yrs...I made them to have deleted only in January of this year. So, make sure you check all the credit reports out there and update info therein...and to have deleted too many addresses and phone numbers (even if they were right) because many lenders could deny you based on those record...

So, this is Odyseey Reward World Elite Mastcard....$81k limit...6.99% APR (doesn't matter to ME as PIF anyway)...AF is $75 but first year is waived...It was a very smooth online process...Only one time I got the call from them to drill me about my business income...Seemed he was their accountant...was going line by line...too much arguing...I felt as if I was in a courtroom as an accused. No any sweet lady there...lols...So, here is the datapoint- you can get approved with this CU even if you have many open accounts and big CL available...I honestly do not know what was the deciding factor for them to approve me...maybe I have a very clean profile...or maybe I owe nothing on those accounts which made them believed that I might use their account...I really don't know what, but I take it...With Navy Federal, I hoped to get approval for at least $1k rather than a flat-out denial, but with this CU I never thought that I even get an approval....Many people suggested on another group that one should always go for their cash back card which has minimum of $10k SL because if anyone would go for this one and if CU is not willing to extend at least $25k then it would be a denial right out. But I didn't go with them just for the sake of opening an account or just to get into their doorstep, rather I took them as a challenge as to either this card or no card with them...Thanks God that my financial record was in order, which is where they drilled me on....

I'm glad you got the card you wanted and such a high limit. You sure earned it! Five years of tax returns, three years of bank statements, name of your accounting firm -- it sounds more like a mortgage loan these days. I joined First Tech years ago but never use them and my measley $100 savings account started to get eaten up with fees for nonusage so I finally closed it. Glad they worked out for you!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 18:24:23 GMT

(mod cut-discussion of mod actions without a mod asking for them is taboo on this site) As for posting pics to showcase here then I don't know much how to post...I can easily learn...as I used to post images on many public sites before...but I don't have much time lately...but if I could, I will do it...

@FinStar wrote:
Are there any pics/images (even through imgur) you could share associated with some of these approvals? Obviously, not a requirement, but the great majority of our community members like to showcase their aspirational milestones for other members to see, whether it's their first time posting on Approvals or those "high rollers" you referenced. Just food for thought.

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 02:42:07 GMT

@Anonymous wrote:
Wow, you had quite the successful spree there with some huge limits out of conservative lenders like First Tech and DCU, congrats!

As for AOD, They started offering a SUB on the card so they got a whole new wave and that's on top of people trying to get their stimulus deposits and everything. Just give them time.

Thanks...

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Anonymous — Sun, 28 Mar 2021 01:38:49 GMT

@AllZero wrote:
Congratulations on your monster approval and APR! This is a great read. Thank you for sharing your story. What an amazing outcome after that extremely thorough probe of your finances.

Thank you dear...Very much appreciated...

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

DebtStinks — Sun, 28 Mar 2021 01:55:40 GMT

WOW...just W.OW.

Many congrats...not just for the phenominal approval, but moreso sticking with all the "hoops to jump through" in order to obtain the approval!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

M_Smart007 — Sun, 28 Mar 2021 02:08:13 GMT

Congratulations on your approval! ...

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

FinStar — Sun, 28 Mar 2021 02:11:31 GMT

@Anonymous wrote:
As for posting pics to showcase here then I don't know much how to post...I can easily learn...as I used to post images on many public sites before...but I don't have much time lately...but if I could, I will do it...

Right. So, it's actually very easy to do (just like a selfie) just be sure to blurr out any PI or personal details, and I'm sure any helpful member(s) can PM you or even show you if you wish. It's almost as easy as editing posts multiple times So, if you find the time, I'm sure folks would love to see them!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

kittycreditmeow — Sun, 28 Mar 2021 03:18:49 GMT

Congratulations on the approvals! I didn't know all that about FTCU. 😁

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Shooting-For-800 — Sun, 28 Mar 2021 14:38:51 GMT

I am happy you are happy.

I went through less buying a house.

You are more patient and open than me.

Congrats on getting what you wanted!

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

coldfusion — Sun, 28 Mar 2021 15:57:19 GMT

@FinStar wrote:
@Anonymous wrote:
As for posting pics to showcase here then I don't know much how to post...I can easily learn...as I used to post images on many public sites before...but I don't have much time lately...but if I could, I will do it...

Right. So, it's actually very easy to do (just like a selfie) just be sure to blurr out any PI or personal details, and I'm sure any helpful member(s) can PM you or even show you if you wish. It's almost as easy as editing posts multiple times So, if you find the time, I'm sure folks would love to see them!

Doesn't even have to be that elaborate. Strategically placed pieces of paper, or a clean kitchen towel like in this picture I used in an approval thread of my own, works great without needing to use any editing software so is suitable even if you just use a smartphone to take the picture and to post it.

I myself am looking forward in particular to seeing the First Tech card.

Re: Approval of First Tech- $81k- Odyssey Rewards World Elite MasterCard, and other approvals....

Credit4Growth — Sun, 28 Mar 2021 17:17:55 GMT

@Anonymous Congratulations!