Reply
Valued Member
Posts: 45
Registered: ‎07-06-2012
0

Wow! I love USAA

My EQ Fico finally went over 700 two weeks ago and even though I probably should've waited I applied for two cards: Costco Amex and USAA Mastercard. My only baddies left are an auto loan paid chargeoff from 2007 and a satisfied judgement for the same auto loan. I have only two credit card, which are both current, never late and less than 6% utilized. I have a Cap1 secured for $1K and a Walmart card for $150.

The Amex pulled all three CRA and denied me right away. No surprise, I'm kicking myself for even applying.

USAA only pulled EQ, and it gave me a message that they would process it and let me know their decision. I was bummed, when I applied I was hoping for them to at least match my $1K limit on my Cap1, but after waiting for 5 days I would've been happy with even a couple hundred. So I got an email this morning congratulating me on my new USAA Mastercard. As I was logging in to my account I was thinking "come on $1K". I opened my account and WOW! They gave me a $9,000 Credit Limit!!

Thanks everyone for all your help! I haven't posted too much on here, but I've been reading this message board for about 6 months. I couldn't have done it with out you. Next step a house, hopefully at the end of next year.


Starting Scores:
EQ FICO 648 - TU08 598 - EX FAKO 544 (1/2012)
Current Scores: EQ 703 - TU 767 - EX 750
In My Wallet: AMEX BCE ($22.5K), Discover It ($10K), USAA World MC ($9K), Chase Freedom ($8K), Fidelity Rewards ($5K), Citi Double Cash ($4.5K) Walmart ($4.5K),
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Wow! I love USAA

Nice CL! That's great, congrats. Sorry about amex, pulling all three as well, ouch. Have you gotten the denial letter yet?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Wow! I love USAA

full or partial member?
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Member
Posts: 49
Registered: ‎10-18-2012
0

Re: Wow! I love USAA

Wow congrats
ex 669 tu 689 eq 658
these scores are a few months old
goal 700 club
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Wow! I love USAA

Congrats I am so happy for you!

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Wow! I love USAA

USAA very good with credit limit. They gave me 4k and Amex give me 1k ;(


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Highlighted
Valued Member
Posts: 45
Registered: ‎07-06-2012
0

Re: Wow! I love USAA

@Epcot - I did get my denial letter from Amex, even though they pulled all three, they denied me based on my TU Fico score. They didn't cite the baddies just the score.

 

@Repo-ed - I'm not a full member, I've never been in the military or have family in the military. I live close to a military base and have friends in the military who recomended USAA. As a matter of fact, I signed up with USAA the same day I applied for the card.

 


Starting Scores:
EQ FICO 648 - TU08 598 - EX FAKO 544 (1/2012)
Current Scores: EQ 703 - TU 767 - EX 750
In My Wallet: AMEX BCE ($22.5K), Discover It ($10K), USAA World MC ($9K), Chase Freedom ($8K), Fidelity Rewards ($5K), Citi Double Cash ($4.5K) Walmart ($4.5K),
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Wow! I love USAA

AWESOME!!! Congrats

ccpics2.jpg
Regular Contributor
Posts: 168
Registered: ‎12-05-2007
0

Re: Wow! I love USAA

great! Awesome in fact!

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.