Find out if you are eligible to join First Tech Federal Credit Union.
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Yes, the First Tech Rewards Checking® offers a debit card. The account also has an APY of 0.01% for balances up to $15,000. It has no monthly fees and no minimum balance requirements.
Keep in mind that the account requires a minimum opening deposit of $10 and to become a member of First Tech Credit Union. For the most up-to-date information, please refer to the First Tech Credit Union website.
You can check the best checking accounts available for you to make sure that whatever decision you go for really fits your goals.
Yes, the First Tech Choice Rewards card has a grace period of at least 21, lasting from the end of each billing cycle until the payment due date. If cardholders pay their First Tech Choice Rewards card statement balance in full every month, First Tech Federal Credit Union will not charge any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full...
Yes, the First Tech Platinum Secured Mastercard may help you build credit, since First Tech Federal Credit Union reports account information to the credit bureaus each month. Making on-time payments and keeping your balance low can help improve your score. On the other hand, missing payments and maxing out your credit limit can hurt your score.
Building credit with a card like this is easy, as long as you make the right moves. Below, we'll break down what you...
The First Tech Federal Credit Union Platinum Secured Mastercard® is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved for the First Tech Federal Credit Union Platinum Secured Mastercard®.
Secured cards are easier to get than unsecured cards because they require a deposit to open the account, which First Tech Federal Credit Union will use as collateral to secure the account. The amount of your deposit will be your credit limit, in most cases. That said, though...
Yes, the First Tech Choice Rewards card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The First Tech Choice Rewards card is meant for people with good credit or...
It's unlikely that you'll get approved for the First Tech Choice Rewards World Mastercard® after bankruptcy, since it requires good credit or better. You'll need to focus on rebuilding your credit with another credit card before you apply for this card.
Key Things to Know About Getting a Credit Card After Bankruptcy
You should wait until your bankruptcy is discharged to apply for credit.
Card issuers generally do not approve applicants with unresolved bankruptcies on their credit reports. Your...
Your First Tech Choice Rewards application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from First Tech Federal Credit Union explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call First Tech Federal Credit Union to ask for reconsideration. However, you're only likely to succeed if you can prove your credit...
The First Tech Choice Rewards mainly uses Experian to check your credit when you apply, though First Tech Federal Credit Union may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
Unfortunately, you cannot qualify for First Tech Platinum Secured Mastercard graduation. If your credit score has improved and you'd like a card that you don't need a security deposit for, you'd have to apply separately. Call First Tech FCU's customer service at (855) 855-8805 to talk about which unsecured credit cards you qualify for.
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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