First tech odyssey APPROVED

Traveler101 · ‎02-07-2023

Applied and went to review. Uti is 3% with highest reporting 8% on single accout. Dti 12%. Bk on Experian scheduled to come off in July. Fico 8 as of today 746. Sitting at 2 X annual income in credit lines. Amex for some reason has never reported to EX. I did have to use plaid for income. Not sure why they didn't figure that out with payments going to amex. That puts me way over 2x annual income in cl with amex if it were reporting. Anyways 30 min later got an email approved 25,000.00 cl. Any questions ask. I didn't think I'd get it honestly with the cl I have based on their record. Back to garden. Btw..last opened cc was 6 months old. And inq were 2 in 12 and 3 in 24.

Spotsy · ‎02-07-2023

Super congrats! That card is on my wish list...tried a couple times, but no dice. Do you have much of a relationship with them via other products or did you cold app?

FICO 8: TU:832 / EQ:828 / EX:822 as of 12/1/2024

Traveler101 · ‎02-07-2023

Saving for about a year and virtually unused checking for about a year. Ran about 1k through the accounts and 50.00 bal in savings. No pre-approval. This took me over the 220k mark. Dont give up hope!

@Spotsy wrote:

Super congrats! That card is on my wish list...tried a couple times, but no dice. Do you have much of a relationship with them via other products or did you cold app?

NoMoreDebt · ‎02-07-2023

congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CreditAggie · ‎02-07-2023

Congratulations on your First Tech Odyssey approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

coreyb80 · ‎02-07-2023

Congrats on the approval! They're on my radar for 2024.

JoeRockhead · ‎02-07-2023

Outstanding SL, congratulations on your approval!

KingRue8500 · ‎02-07-2023

Congrats on your First Tech FCU Odyssey Rewards approval

nytokyobred79 · ‎02-07-2023

Congrats on that outstanding approval. Enjoy the garden.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $211, 000 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

IntegerIntrovert · ‎02-08-2023

Congrats on the approval.

EQ - 841 / TU - 813/ EX - 823

2025 Plans - Close everything except USB AR and open USB Smartly, there is a small chance I keep my AMEX Business Marriott for the hidden business credit line. Closed so far: USB Altitude Go 25k, FTF 35k, BECU 40k, WF Autograph 22k