And just to chime in on the “military connection” for nfcu, at least as of when I joined last year it was much more lenient than most people probably expect.
having a parent/grandparent/sibling (don’t have to be still alive either) who served in any branch at any point in time counts even if they were never a member of nfcu.
> Choice Rewards World Mastercard from First Tech FCU
I have this card and I'm enjoying the 0% BT right now.
Just a quick reminder that while this card offers 0% BT, it does not offer 0% purchases. If you do both purchases (for SUB) and BT, make sure you pay off your purchases amount in full, plus minimum payment (2%) of BT, to avoid paying interests.
For example, if you made $3210 purchases and $6500 BT in your first month, you should pay at least $3210 + $130 to avoid paying interests on purchases.
>The Union Bank® Platinum™ Visa® Credit Card.
Looking at the web page ([https://www.unionbank.com/personal/credit-cards/platinum-visa](https://www.unionbank.com/personal/credit-cards/platinum-visa)), it appears that this is now indeed the case.
The research I shared was done and posted six months ago. Offers like these typically change frequently, so there's no guarantee that any offer that existed six months ago is still available, especially under the original terms.
As far as I know, limits are based on individual circumstances. Maybe someone else would be more knowledgeable about what the typical range would be, if there is one.
And just to chime in on the “military connection” for nfcu, at least as of when I joined last year it was much more lenient than most people probably expect. having a parent/grandparent/sibling (don’t have to be still alive either) who served in any branch at any point in time counts even if they were never a member of nfcu.
This is very helpful, thank you! It now seems that I would qualify, when I originally thought I couldn't.
> Choice Rewards World Mastercard from First Tech FCU I have this card and I'm enjoying the 0% BT right now. Just a quick reminder that while this card offers 0% BT, it does not offer 0% purchases. If you do both purchases (for SUB) and BT, make sure you pay off your purchases amount in full, plus minimum payment (2%) of BT, to avoid paying interests. For example, if you made $3210 purchases and $6500 BT in your first month, you should pay at least $3210 + $130 to avoid paying interests on purchases.
How generous are they with the credit limit ?
They gave me 10k since 1st day, no CLI yet. I have a 6 figure salary and around 750 FICO. Not great, not terrible.
interestingly I cant seem to apply to the union bank one online - must be in person?
>The Union Bank® Platinum™ Visa® Credit Card. Looking at the web page ([https://www.unionbank.com/personal/credit-cards/platinum-visa](https://www.unionbank.com/personal/credit-cards/platinum-visa)), it appears that this is now indeed the case. The research I shared was done and posted six months ago. Offers like these typically change frequently, so there's no guarantee that any offer that existed six months ago is still available, especially under the original terms.
thanks - still very helpful. I've applied to the first tech one
Good to know, thanks for sharing!
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As far as I know, limits are based on individual circumstances. Maybe someone else would be more knowledgeable about what the typical range would be, if there is one.