What are the chances Of First Tech FCU approval?

[Anonymous]

I currently have a total CL of 60k, and my annual income is in the low 40k, I have heard that they dont like it when you have a lot of credit available but would this be a lot for them? Should I apply for an unsecured credit card or nah? I currently have a secured card with them but am not planning to stick around for too long if they want to be stingy like that.

Exp 749 HP 0/3  0/6   6/12

Eq 723  HP 0/3  0/6    5/12

TU 749 HP 0/3  4/6    5/12

[digitek]

Hi Monkey and welcome to the forum. This would be hard question to answer without a lot more information about your credit profile, but I would add that First Tech CU is known for weighing heavily on annual income. Since this is a CU you might want to just call and talk to them and see what they say about your chances. The underwriters might be able to give you an idea of your odds for applying for an unsecured card.

[coldfusion]

$60K aggregate CL in absolute terms is not a lot for them, where they start generating side-eye appears to be somewhere in the $150K-200K range. 

I don't think we have enough data points to venture any kind of educated guess as to how sensitive they become when your total aggregate limit exceeds your yearly gross income when that aggregate limit is still substantially below that $150K threshold, which is exactly the senario you currently face.