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Approved for USAA Amex and plat MC , orchard still wont give cli

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stevehbold
Valued Member

Approved for USAA Amex and plat MC , orchard still wont give cli

I was approved yesterday for both cards with 4k limits. I have some old baddies from about 6 yrs ago. They pulled EQ. I know the baddies are on that report. So today i called to cancel my orchard card since the AF is due next month. They sent me to retention and said they would waive the annual fee so i said id keep it. they softed my report and still wouldnt budge from the $320 CL. How can i get two cards at 4k with 15% interest but they wont give me even 10 bucks on a card with a crazy interest rate that im not even sure what it is. I havent used the card since Jan. I only didnt cancel it since i didnt have to pay for it for this year. I had thought i have read on here that USAA was a conservative lender? i was suprised at the credit limit really, my highest card before those 2 is barclays at 2k.

USAA Amex 0/4000 USAA MC 0/4000k
Barclays apple 0/2000- recon'd from 1300 to 2k
Discover More 250/1700cl Capital One 0/500cl Amazon Store 0/600 Orchard 0/320 Paypal Smart Connect 0/300 Amex zync 500 auto pay
Ex 699 7/12 CU pull -auto loan beacon 5
EX FICO from AMEX-657
Eq 688 6/12
Tu 679 6/12
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: Approved for USAA Amex and plat MC , orchard still wont give cli

Congratulations on getting the USAA Amex and the USAA MC -- Smiley Happy  

 

You've been blessed!

Message 2 of 6
journey258
Frequent Contributor

Re: Approved for USAA Amex and plat MC , orchard still wont give cli

Congratulations! Nice Limits! Membership has its privileges Smiley Happy


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 3 of 6
skyisthelimit
New Contributor

Re: Approved for USAA Amex and plat MC , orchard still wont give cli

USAA gives good credit limits, but I have never seen them top NFCU on first time limits.  Congrats, and keep the other card open as long as there is no AF; your age will just grow!

Message 4 of 6
stevehbold
Valued Member

Re: Approved for USAA Amex and plat MC , orchard still wont give cli

Thanks everyone. I don't think I'm eligible for nfcu. I'm separated from USAF not active. I thinks would need to be a retiree or active to join.
USAA Amex 0/4000 USAA MC 0/4000k
Barclays apple 0/2000- recon'd from 1300 to 2k
Discover More 250/1700cl Capital One 0/500cl Amazon Store 0/600 Orchard 0/320 Paypal Smart Connect 0/300 Amex zync 500 auto pay
Ex 699 7/12 CU pull -auto loan beacon 5
EX FICO from AMEX-657
Eq 688 6/12
Tu 679 6/12
Message 5 of 6
webhopper
Moderator Emeritus

Re: Approved for USAA Amex and plat MC , orchard still wont give cli

Congrats! USAA is very nice to its members. My husband and I were checking them out before I knew that joey was still a member of nfcu from his military days.

Treat them well and they will do you well; as you can see from many of the posts on this board. Congratulations!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 6 of 6
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