Credit Cards

[concorduser]

Can we recon for USAA non military card app? It is rejected with EQ scores 682. Is it worth calling or my scores simply out of their league?

[score_building]

the csr i spoke with today said around 690, so your scores don't appear to be a problem.  she also said no recon., but i am not really certain she understood my question.

[haulingthescoreup]

My guess would be that, as a typically conservative CU-type institution, they shied away at all the inqs and new accounts.

I really don't understand why you did this.

[thomas_simon]

I use USAA as a member of the services.  I love them.  I am sure that doesn't help, because I have no idea what the question means...

Sooooo.....   What is a "RECON?"

[haulingthescoreup]

Reconsideration if you've been denied for an application, APR reduction, fee waiver, etc.

[concorduser]

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haulingthescoreup wrote:
I really don't understand why you did this.

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You are right hauling, I have no idea why I did and I should not have apped for  it. But when I saw the designs of the card I could not resist. I am glad they rejected my application, I really dont want to have a new account added to my CR. I would rather wait for another year and then see what future brings to me.

[MojaveMoon]

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concorduser wrote:

But when I saw the designs of the card I could not resist.

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Off-topic question.

So when you're applying online for a USAA credit card, there's a step in the application process where you can view the credit cards designs (and select the design you want) ?

[concorduser]

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MojaveMoon wrote:

Off-topic question.

So when you're applying online for a USAA credit card, there's a step in the application process where you can view the credit cards designs (and select the design you want) ?

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Yes, at least for me it showed  about 20-25 different designs of the card I could choose. I could not resist and applied for it. I am glad, I am not approved. Twelve months or until I reach 700 Club no more new accounts.

Message Edited by concorduser on 02-24-2009 04:17 PM

[MojaveMoon]

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concorduser wrote:

Yes, at least for me it showed  about 20-25 different designs of the card I could choose.

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Thank you. I didn't realize they now had that many designs. They also have one where you can have your picture put on the card. Unfortunately, I think putting your picture on the card is only an option for the credit card and not for the debit/atm card.

[Valentine137]

well here's my input...see if it helps you.

I recently joined USAA a few months ago and my credit scores were all high 500s low 600s with a few collections and late pays on student loans from a few years ago, I applied for the USAA mastercard and was denied...I applied 3 months later (nothing changed) and I was approved for a card with 4k limit. This is my only card above 500 and let me tell you I have a ton of inquries and recent accounts from rebuilding in the last year so I suggest letting it ride for a few months and try again and they will most likely approve you. From what I can see they don't care so much about scores as I thought but just being a member with some sort of history (I opened auto insurance and a checking account with 100 bucks in it) and that is the only thing that has changed. 

Hope that helped!