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Mini App Spree - Citi/First Tech CU/Upgrade

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Hungry4DataPoints
Established Member

Mini App Spree - Citi/First Tech CU/Upgrade

Ungardened myself this week for a small spree of applications.

 

Upgrade Bitcoin Rewards Card - $1500 CL... turns out it's not actually a credit card, but rather line of credit in drag as a credit card. No grace period on charges..They pulled TU where my FICO8 was 701

 

Citi AAdvantage MileUp card - $2700 CL, they pulled EX where my score is 688

 

First Tech CU Choice Rewards World MasterCard - $10k, they pulled EX

 

Current AAoA is 4 yrs and AoOA is 23 yrs. Utilization 12%. Some student loan late pays but no other derog.


Amex Platinum - NPSL
Wells Fargo Active Cash - $1.5k
Capital One SavorOne - $3.1k
Capital One QuicksilverOne - $2k
Apple Card - $3250
Petal 2 - $4950
X1 - $5k
KeyBank Key2More Rewards - $1.5k
Marcus GM Rewards - $10k
Lowes Advantage - $6k
Citi AAdvantage - $2.7k
First Tech FCU Choice Rewards - $35k
Target RedCard - $1.5k
Affinity FCU - $5k
Wells Fargo Bilt WEMC - $16k
Amex Blue Business Plus - $3k
Amex Delta SkyMiles Gold Business - $3k
Message 1 of 12
11 REPLIES 11
Yasselife
Valued Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Congratulations on your approvals @Hungry4DataPoints 


Gardening since: August 11, 2025
Message 2 of 12
CreditMagic7
Mega Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Congratulations on the new approvals!!

Message 3 of 12
JoeRockhead
Community Leader
Super Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Very nice round of approvals, congratulations!

Message 4 of 12
coreyb80
Super Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Congrats on the approval!

Message 5 of 12
SweetCreditObsession
Valued Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Congratulations on a successful mini app spree!

 

May the CL increase over time and thank you for the DPs! Smiley Happy



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 6 of 12
SouthJamaica
Mega Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade


@Hungry4DataPoints wrote:

Ungardened myself this week for a small spree of applications.

 

Upgrade Bitcoin Rewards Card - $1500 CL... turns out it's not actually a credit card, but rather line of credit in drag as a credit card. No grace period on charges..They pulled TU where my FICO8 was 701

 

Citi AAdvantage MileUp card - $2700 CL, they pulled EX where my score is 688

 

First Tech CU Choice Rewards World MasterCard - $10k, they pulled EX

 

Current AAoA is 4 yrs and AoOA is 23 yrs. Utilization 12%. Some student loan late pays but no other derog.


Congratulations on your approvals.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 7 of 12
CreditAggie
Community Leader
Super Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

Congratulations on your approvals!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 12
NoMoreDebt
Senior Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

congrats on the new cards

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ 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
Message 9 of 12
Traveler101
Established Contributor

Re: Mini App Spree - Citi/First Tech CU/Upgrade

@Hungry4DataPoints wrote:
Ungardened myself this week for a small spree of applications.
Upgrade Bitcoin Rewards Card - $1500 CL... turns out it's not actually a credit card, but rather line of credit in drag as a credit card. No grace period on charges..They pulled TU where my FICO8 was 701
Citi AAdvantage MileUp card - $2700 CL, they pulled EX where my score is 688
First Tech CU Choice Rewards World MasterCard - $10k, they pulled EX
Current AAoA is 4 yrs and AoOA is 23 yrs. Utilization 12%. Some student loan late pays but no other derog.
Congratulations on your approvals. I too was approved last month of First Tech odyssey. While they seem to still be using EX for pulls, it use to be they only reported to EX. Today I got an alert that it showed up on EQ. That's the first CR that has reported it. Perhaps they report now to the big 3. Onwards and upwards with that card. They say if they love you, they can be very generous. 
Message 10 of 12
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