Utah First Credit Union Orange Platinum Visa

BillCollectorsHateMe · ‎01-18-2025

I've searched this entire forum and was unable to find anything about this great CU Visa. About 1.5 years post Chapter 7 discharge, I applied for several cards in an attempt to get approval on any card that I could. A few days later I noticed a couple of missed calls and an email from an unknown area code. After the third call with no answer, the branch manager sent me a second email stating that she had been trying to get in touch with me about my Visa application. I initially thought it was a scam because I didn't even remember applying for the card. I immediately called the manager back and was asked to reply to her initial email that asked me about 10 very personal questions which further made me think it must be a phishing scam, but I took a chance. The manager asked me about my BK and the numerous inquiries on my credit reports. She stated that she understood that I was trying to rebuild my credit but cautioned me about continued credit card applications. After a very long conversation, she informed me that she was going to approve my application with a 5K starting limit which is exactly what I asked for. My interest rate is a fixed 13.9% which I thought was insane considering my past credit history! In closing, you do not have to live in Utah to be approved. I highly recommend this Credit Union due to its excellent customer service and willingness to work so hard to get in touch with me, when I feel that most financial institutions would have called me once and then forgotten about me, but their branch manager just kept trying until she reached me. Now, that's customer service!

House1204 · ‎01-21-2025

Do you know what credit bureau they use? Which version of fico?

ptatohed · ‎01-21-2025

@BillCollectorsHateMe wrote:
I've searched this entire forum and was unable to find anything about this great CU Visa. About 1.5 years post Chapter 7 discharge, I applied for several cards in an attempt to get approval on any card that I could. A few days later I noticed a couple of missed calls and an email from an unknown area code. After the third call with no answer, the branch manager sent me a second email stating that she had been trying to get in touch with me about my Visa application. I initially thought it was a scam because I didn't even remember applying for the card. I immediately called the manager back and was asked to reply to her initial email that asked me about 10 very personal questions which further made me think it must be a phishing scam, but I took a chance. The manager asked me about my BK and the numerous inquiries on my credit reports. She stated that she understood that I was trying to rebuild my credit but cautioned me about continued credit card applications. After a very long conversation, she informed me that she was going to approve my application with a 5K starting limit which is exactly what I asked for. My interest rate is a fixed 13.9% which I thought was insane considering my past credit history! In closing, you do not have to live in Utah to be approved. I highly recommend this Credit Union due to its excellent customer service and willingness to work so hard to get in touch with me, when I feel that most financial institutions would have called me once and then forgotten about me, but their branch manager just kept trying until she reached me. Now, that's customer service!

Can you please explain why it is a "great CU Visa" (without us having to open a second browser)?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

BillCollectorsHateMe · ‎01-24-2025

They pulled Experian FICO 8.

BillCollectorsHateMe · ‎01-24-2025

@House1204 wrote:
Do you know what credit bureau they use? Which version of fico?

They pulled Experian FICO 8.

jc2 · ‎01-28-2025

Thank you for this information. I applied online and it said:

"Same-Day Approval Thank you for contacting us! We will get in touch with you shortly."

Is that thge message you rcd when you applied? I have not receievd any calls or emails nor do I have any communication that shows credit line etc.

Thank you

TrapLine · ‎01-28-2025

ptatohed

Com'mon now, don't ease up! Opening a second browser won't hurt? You need the experience any way

ptatohed · ‎01-29-2025

@TrapLine wrote:
ptatohed

Com'mon now, don't ease up! Opening a second browser won't hurt? You need the experience any way

Sorry, just a pet peeve of mine. For me, personally, if I am going to bring up a little/lesser-known card, I for sure will state its virtues, and provide a link.

I guess the virtue is the fixed 10% APR for the life of the purchase/balance transfer (but only until Jan 31?) and earning one 'point' per dollar?

(I can't seem to find the rate after the 10% promo ends?)

Link: https://utahfirst.com/orange-platinum-visa/

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

BillCollectorsHateMe · ‎02-03-2025

@jc2 wrote:
Thank you for this information. I applied online and it said:

"Same-Day Approval Thank you for contacting us! We will get in touch with you shortly."

Is that thge message you rcd when you applied? I have not receievd any calls or emails nor do I have any communication that shows credit line etc.

Thank you

Yes. That is the same message that I initially received. It is possible that the branch manager is out of office or similar. I would give it time or you could just call and inquire on the status.

BillCollectorsHateMe · ‎02-03-2025

@ptatohed wrote:
@TrapLine wrote:
ptatohed

Com'mon now, don't ease up! Opening a second browser won't hurt? You need the experience any way
Sorry, just a pet peeve of mine. For me, personally, if I am going to bring up a little/lesser-known card, I for sure will state its virtues, and provide a link.

I guess the virtue is the fixed 10% APR for the life of the purchase/balance transfer (but only until Jan 31?) and earning one 'point' per dollar?
(I can't seem to find the rate after the 10% promo ends?)
Link: https://utahfirst.com/orange-platinum-visa/

Just FYI. My rate after the initial 10% is 13.9% fixed, but it's possible that the rate could vary depending on your current credit score. My score was definitely under 700 and about 1.5 years post chapter 7 discharge when I was approved.