topic Re: First Tech FCU in Credit Card Applications

First Tech FCU

Creditaddict — Wed, 15 Jan 2020 06:41:41 GMT

Any recent data?

Re: First Tech FCU

CreditCuriosity — Wed, 15 Jan 2020 15:53:44 GMT

Very conservative... Cant have alot of credit or will be denied, etc... If you have 1x your income in credit don't bother as you are a risk or anyone is a risk to them... They are a creditor you get when one has little credit, not alot

Re: First Tech FCU

FinStar — Thu, 16 Jan 2020 19:34:24 GMT

As echoed above, I wouldn't waste a HP on them with your current profile.

Re: First Tech FCU

Meanmchine — Fri, 17 Jan 2020 04:45:57 GMT

Good luck on whatever you decide

Re: First Tech FCU

pizza1 — Sat, 18 Jan 2020 03:02:46 GMT

FT FCU denied me several times... Im way too risky for them, no surprise there, lol!!

Re: First Tech FCU

Anonymous — Mon, 20 Jan 2020 04:30:54 GMT

I agree with the others in that you shouldn't apply if you have a ton of credit. I got my credit card with them 1.5 years ago after I closed all of my Cap One/Citi/Synchrony accounts, so I didn't have any open credit at all; approved for $1k. If they're you primary FI, then they can be generous with CLI's (that are HP)--I hardly use the card but they gave me a CLI from $1k to $5k after I combined the hard pull used to refinance my car. Personally, I don't think that their cards are any good, though.

Re: First Tech FCU

Anonymous — Fri, 25 Dec 2020 19:24:02 GMT

Hello,

I was approved a couple of days ago for the Choice Rewards World Mastercard. I joined the CU last week, opened savings and checking, and a couple of days later I applied for the card and was approved for 10K at 14% APR. My credit is by no means great, so I expected a denial but was instantly approved. 701 Experian Fico.

Re: First Tech FCU

ChargedUp — Fri, 25 Dec 2020 19:56:44 GMT

I had a "pre-approved " mailer from 1st Tech show up about a month ago saying I was already approved for the Choice Rewards MC with a limit between $10K-$35K. I took that as a good sign to hit up AOD for a card I wanted 😎

Re: First Tech FCU

CreditCuriosity — Fri, 25 Dec 2020 20:01:22 GMT

@Anonymous congrats on your approval they arent really sensitive to scores really, but if you have alot of credit it reallly is a show stopper.. Congrats on your approval though.