First Tech Credit Union $100,000 limit

[sladesurfer]

Anyone familiar with First Tech Credit Union? They Have a nice credit card line up and one of them Goes up to $100,000

https://www.firsttechfed.com/

[Anonymous]

Secured card can go up to 25K? That must be the highest ever I seen. But for the one that can go up to 100k, I must be dreaming!

[sladesurfer]

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@Anonymous wrote:
Secured card can go up to 25K? That must be the highest ever I seen. But for the one that can go up to 100k, I must be dreaming!

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Yeah, Minimum of $25,000 lol

[digitek]

From what I remember, First Tech Credit Union is all about that annual income. They kind of cater to high income members, which probably explains the really high credit limits on those cards. One of the very few Mastercards available in the US that can be had in true Chip + PIN.

[wasCB14]

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@digitek wrote:

From what I remember, First Tech Credit Union is all about that annual income. They kind of cater to high income members, which probably explains the really high credit limits on those cards. One of the very few Mastercards available in the US that can be had in true Chip + PIN.

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...and they do require POI on CC apps.

[Azza]

Yo I live in Portland! I have a First Tech down the street from my house I've seen that card. It's neat, but it doesn't have anything super worthwhile for me to justify that annual fee.

FTFCU is a great business, though. Check out their cards!

[sladesurfer]

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@Azza wrote:
Yo I live in Portland! I have a First Tech down the street from my house I've seen that card. It's neat, but it doesn't have anything super worthwhile for me to justify that annual fee.

FTFCU is a great business, though. Check out their cards!

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$75 Annual Fee for their highest card. What type of benefits do i get from World Elite Card and is it worth $75 annually? Maybe the $100k Credit limit

[Azza]

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@sladesurfer wrote:

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@Azza wrote:
Yo I live in Portland! I have a First Tech down the street from my house I've seen that card. It's neat, but it doesn't have anything super worthwhile for me to justify that annual fee.

FTFCU is a great business, though. Check out their cards!

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$75 Annual Fee for their highest card. What type of benefits do i get from World Elite Card and is it worth $75 annually? Maybe the $100k Credit limit

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You would have to read up on it. World Elite is really targeted at travelers. If you travel frequently then it might be worth your while! World Elite is to MC what Infinite is to Visa. I personally wouldn't get much mileage out of the card, but it would be a nice, low cost option to slot in my wallet for travel after I'm out of the garden!

[coldfusion]

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@digitek wrote:

From what I remember, First Tech Credit Union is all about that annual income. They kind of cater to high income members, which probably explains the really high credit limits on those cards. One of the very few Mastercards available in the US that can be had in true Chip + PIN.

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If your total CL across all cards is greater than about $200-250K you're outside of their target demographic and being approved for membership is tough.  

[wasCB14]

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@Azza wrote:

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@sladesurfer wrote:

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@Azza wrote:
Yo I live in Portland! I have a First Tech down the street from my house I've seen that card. It's neat, but it doesn't have anything super worthwhile for me to justify that annual fee.

FTFCU is a great business, though. Check out their cards!

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$75 Annual Fee for their highest card. What type of benefits do i get from World Elite Card and is it worth $75 annually? Maybe the $100k Credit limit

---

You would have to read up on it. World Elite is really targeted at travelers. If you travel frequently then it might be worth your while! World Elite is to MC what Infinite is to Visa. I personally wouldn't get much mileage out of the card, but it would be a nice, low cost option to slot in my wallet for travel after I'm out of the garden!

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Odyssey can give discounts at some merchants, but there are generally a lot of other ways to get such discounts, and the same discounts are ususally available on no-AF WEMC cards. I know I wouldn't pay an AF for Odyssey.

I applied for Choice Rewards three years ago to have just a basic primary Chip and PIN card. I passed the underwriting and was tentatively approved for $20k at their lowest APR, but I had just moved and they rejected my membership on proof of identity grounds.