Recently, the financial service industry has observed an increase in fraudulent attempts to access
an individual's account data through phishing. UFirst will never ask you for your account
credentials or PIN. If you receive a suspicious call, email or text message, please contact 801-481-8800. For more
information on protecting yourself from fraud, click here.
UFirst Credit Union is proud to offer several great options for those
looking for a high limit credit card.
A high-limit credit card typically comes with a credit line of $2,000 to $25,000.
With our high-limit credit
cards, you'll also get additional perks such as rewards,
competitive APR rates, and
options with no annual
Ahigh-limit credit card could also
help improve your credit scores by increasing your total credit available.
To qualify for high-limit credit cards, you'll want to ensure that your bills are paid on time and
keep balances to less than 30% of your credit limit.
How To Get A High Limit Credit Card
As with other types of credit cards, to obtain a high limit credit card, you must
first qualify for one. Qualifying for a high limit credit
card means that all of your bills are paid on time and that your
balances are kept to less than 30% of your credit limit.
Once you are able to qualify for a high limit credit card hit our apply
button to begin the process for obtaining your new credit card.
* Fees include a cash advance fee (1.5% of the cash advance amount) and a foreign transaction fee
(0.80% of transaction amount if in U.S. dollars, 1% of transaction amount if must convert to U.S.
The credit score required to qualify for an auto loan is relative to the lender. On average, the borrower needs a score in the low 700s for a new car loan and mid-600s for a used car loan.
A borrower's credit history tells the lender whether or not they are high or low risk. When getting approved for an auto loan, most financial institutions will look at the borrower’s industry-specific auto FICO® Score3, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.
This credit score also determines the borrower’s interest rate on the loan. Typically, to get an interest rate between 0–2% on new car loans, the lender will require a credit score of 700 or higher. Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.
You can check your FICO® Score for free on our free mobile app, UFirst.
Refinancing your auto loan is a great and easy way to save money on your car payments and to lower the interest rate on your auto loan.
In order to refinance your auto loan, you’ll need to gather the right information and documents. All the necessary information would be the car mileage, VIN number, current car loan numbers, driver’s license, and income verification. After gathering this information, you can refinance your loan with the same lender or with a different financial institution.
After applying, the bank or credit union will check your credit history and let you know if you qualify for a lower interest rate. After approval, the bank or credit union will work with you to set your new loan term to a lower monthly car payment.