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Wow! I love USAA

Valued Member

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),
Message 1 of 9
8 REPLIES
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 9
Valued Contributor

Re: Wow! I love USAA

full or partial member?
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 3 of 9
Valued Member

Re: Wow! I love USAA

Wow congrats
ex 669 tu 689 eq 658
these scores are a few months old
goal 700 club
Message 4 of 9
Frequent Contributor

Re: Wow! I love USAA

Congrats I am so happy for you!

Message 5 of 9
Valued Contributor

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

Message 6 of 9
Valued Member

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),
Message 7 of 9
Valued Contributor

Re: Wow! I love USAA

AWESOME!!! Congrats

ccpics2.jpg
Message 8 of 9
Highlighted
Regular Contributor

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!


Message 9 of 9