Between Wings and First Tech FCU - which will have higher CL?

[Anonymous]

Hi,

Comparing Wings FCU and First Tech FCU, which will have higher CL approved?

Thanks.

[FinStar]

Unfortunately, no one here can really say. Pure speculation at best, especially since you didn't provide any details about your profile or other information.

[AnimatorProcrastinator]

My personal experience with Wings is that they are very relationship based and 'stingy' by the forum's standards. Another thing that annoyed me is everything is also an HP with them: joining, apping, CLIs, etc. First Tech seems to be more generous with SLs from the posts I've seen.

As another poster said, we can't say for sure who will give you a higher SL, but it is my opinion that you might have a better chance with First Tech.

[MJ-san]

My experience with FTCU is that they are very conservative. $5k initial CL for 10 years, they approved a 2nd card with $5k after 5 years but won't combine them.

I've got $50k + CLs with BA, Amex, Citi, Chase... even larger CLs with TD, Discover, USB, Sync, and Comenity.

[Royalbacon]

I am a current Wings member, I live in Minnesota where they're based and got a $1000 limit with them and they eventually auto increased it to $2000 at some point. That was all long before my Chapter 7 BK so I obviously no longer have the card anymore. I never recall having a hard pull to join Wings, but I joined back in 2017 IIRC which was 5 years ago.

I'm a former First Tech member but never had a card with them. No clue how they are but from what I've read on these forums they're definitely conservaitve.