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Frequent Contributor
Juan123
Posts: 494
Registered: ‎04-16-2011

A little stunned, Approved for USAA Visa

[ Edited ]

Just decided to get my foot into a nice bank and from everything i've heard USAA, NFCU,     And Penfed are the way to go,after getting denied for a CC at penfed,    and not qualifying for NFCU i joined USAA   without even opening a checking or savings account i applied for the USAA Visa.

 

 

 

Yea i know the APR is high but this is BY FAR my highest limit CC. my highest limit card right now is carecredit at $3000 but my highest limit Visa\MC is only $1500 >_< over 4x my highest limit >_<

 

Time to consolidate my other cards!

 

Approved Credit Limit$6,200.00
Current APRs

Purchase APR


23.9% (Prime+20.65%)

Cash Advance and Balance Transfer APR
23.9% (Prime+20.65%)


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Frequent Contributor
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011

Re: A little stunned, Approved for USAA Visa

whoa!!! That is an awesome credit line!!! CONGRATS!!!!!!

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: A little stunned, Approved for USAA Visa

Very Nice Juan, Congratulations!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Frequent Contributor
Juan123
Posts: 494
Registered: ‎04-16-2011

Re: A little stunned, Approved for USAA Visa

thanks ^_^, just wondering now if i should consolidate my 3 cards with balances to 1 card with a balance, its only $1200


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Contributor
JaneS1123445
Posts: 108
Registered: ‎03-04-2012

Re: A little stunned, Approved for USAA Visa


Juan123 wrote:

Just decided to get my foot into a nice bank and from everything i've heard USAA, NFCU,     And Penfed are the way to go,after getting denied for a CC at penfed,    and not qualifying for NFCU i joined USAA   without even opening a checking or savings account i applied for the USAA Visa.

 

 

 

Yea i know the APR is high but this is BY FAR my highest limit CC. my highest limit card right now is carecredit at $3000 but my highest limit Visa\MC is only $1500 >_< over 4x my highest limit >_<

 

Time to consolidate my other cards!

 

Approved Credit Limit$6,200.00
Current APRs

Purchase APR


23.9% (Prime+20.65%)

Cash Advance and Balance Transfer APR
23.9% (Prime+20.65%)


Congrats! That's an awesome CL :smileywink:

Frequent Contributor
Juan123
Posts: 494
Registered: ‎04-16-2011

Re: A little stunned, Approved for USAA Visa

this approval inspired me to close a few accounts >_<

 

closed; Discover more card stuck at $500 for 4 years, PC Richard card, Victoria secret card, Barclays card, Kay Jewelers card, CAPITAL ONE IS NEXT >_<

 

now im down to 7 cards from 17 (max) ^_^

 

Now USAA is going to the front line of my card even without rewards >_>


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

Re: A little stunned, Approved for USAA Visa

My hopes are to one day build up my FICOs, then be approved for a Amex, then cancel my Orchard and CapOne, as my amex is my oldest account.  I've been a member of USAA for 14 years, but no way am I able to be approved for their unsecured cards.

Frequent Contributor
kc12286
Posts: 357
Registered: ‎07-31-2007

Re: A little stunned, Approved for USAA Visa

Congrats. Banks and CUs definitely seem to be giving out higher APRs now. I just got hit with a 20% APR for my newest card, secondest highest APR for me.

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Regular Contributor
ashkev89
Posts: 228
Registered: ‎07-21-2008

Re: A little stunned, Approved for USAA Visa

Congrats on the approval.

Would you mind sharing what your credit background looks like to help others decide if it is even worth applying for the usaa card. Like utilization, any baddies, etc.

Again Congrats on the approval

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: A little stunned, Approved for USAA Visa

Very nice Juan Congrats!!!



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