02-13-2013 11:32 AM
Loving USAA! Went on a little mini app spree tonight as I am moving in the next couple of weeks and wanted to take advantage of reporting a lower rent, and avoid the hassle of having to verify my address, etc.
Anyway, I applied for USAA's Wounded Warrior Project total rewards AMEX and just got the email that I was approved! $6,000 CL! They beat my highest CL of $5000 from BoA. So thrilled that not only did a get an excellent card, but I also formed a relationship with USAA (though I am not a full member) and I personally love WWP and all that they do...I'm honored to show my support every time I swipe that card.
I also applied for the FNBO AMEX card as I kept getting pre-approvals...it's still pending. I won't be broken up if they don't approve; USAA is the one I really wanted, the rest were just kinda "eh, what the hell" moments as I won't need to apply for any more credit for at least 6 months from now, so I might as well fill out a few more.
I also applied for BBVA Compass Clearpoints card, again, because they were hounding me with pre-approvals (I'm such a sucker )....I've heard that they don't instantly approve? If that's true, then I'm still in it. I just got the message when I applied that it's being reviewed.
Last but not least, I applied for the PenFed 5% cash back card...denied. BUT, I did get into PenFed, just not approved for the card, so I guess that's something. Reasons cited were something along the lines of "minimal experience paying installment loans [I have student loans in deferment], balance too high, and length of credit history [I'm only 21 and my oldest card is ~2 years old]. I'm thinking I may call and ask if my application could be manually reviewed. Has anyone had success with this?
Regardless of whatever else happens, I got the card I was really shooting for with my highest limit yet. I would say this has been a success!
02-13-2013 03:26 PM
Thanks! I'm still waiting to hear from FNBO and BBVA. I will post when/if I hear!
Oh and I forgot to mention I also applied for and was accepted into a local Florida CU. I'll probably apply for a CC as soon as my account is opened. I'm going to be purchasing a car probably in the next 6 months so I wanted to establish some relationships to better my chances.
02-14-2013 01:27 AM
02-14-2013 02:06 AM
02-14-2013 07:39 AM
I'm so happy for you! It's a wonderful feeling getting approved for a card that you really, really want. Congrats, and enjoy your new card!
02-14-2013 12:58 PM
Well, it looks like I went 2 for 4. I called BBVA and they informed me that I was approved for $5,000 CL.
Unfortunately, I was not approved for the FNBO AMEX, but no biggie. I haven't yet received the reason why, but I may recon when I receieve the letter. I'm also thinking about recon-ing with PenFed, or maybe applying for a lesser card since they use the same pull for 90 days.
Regardless, I am satisfied. Got two new cards with big limits (for me) so I'm happy!
02-18-2013 10:10 AM
@Floridastate - I don't see the Wounded Warrior Project card as being an AMEX, I see the link for the MC. Can you PM me the link for the AMEX please? Also, partial members can app for this correct?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.