I opened a personal loan with First Tech back in March and decided to download their mobile app to make payments and monitor my loan progress. Out of curiousity I looked at their other products (I am looking to open a mortgage soon so that was one) and decided to apply for their Odyssey Rewards card. When I submitted the app I received a notification that someone from underwriting would contact me soon (I thought it was the dreaded denial response and that they would send a letter in the mail) but why would they add the underwriting bit if it was a denial. Turns out they just needed to confirm my identity since I added a fraud alert to my account (which I appreciate) and shortly after the conversation I was approved for $25k with an APR of 12%.....WOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO0000!
While I was hoping for a larger starting credit limit, I'll take that APR any day of the week!
Edit: I was also just advised there's no limit on cash advances, and no balance transfer fee (plus 0% for the first year) which is insane, but very lovely
Data Points: Experian 696 (at the time, now 715ish), AAOC 2yrs, 6 mos, Utilization 10%, 3 Hard Inquiries (one in dispute), Annual Income 90k (Salary plus bonus)
