Credit Cards

[Ron1]

I just applied for USAA Amex and I didn't get instantly approved. It will let me know next business day. I already have USAA World Mastercard for almost six months, It asked me the security question during application.  After answering security question, it came back "let you know next business day" message.  By the way, they pulled EXP and current utilization is 1% and TU FICO score was 768 as of July 1. I have good perfect history, no late, no past due, no charge-off.  AAOA is 6yrs. I know they usually give you instant decision. I didn't get one.  Did I just get denied?

Ron.

[konabill]

   USAA did the same to me when apped online. 

                        CSR requested income verification ( verbal )  and that was it.   

                                                                       Good luck.

[Ron1]

What docs did they asked for income verification? Did you get approve?

Thanks.

Ron.

[O6]

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Ron1 wrote:

I just applied for USAA Amex and I didn't get instantly approved. It will let me know next business day. I already have USAA World Mastercard for almost six months, It asked me the security question during application.  After answering security question, it came back "let you know next business day" message.  By the way, they pulled EXP and current utilization is 1% and TU FICO score was 768 as of July 1. I have good perfect history, no late, no past due, no charge-off.  AAOA is 6yrs. I know they usually give you instant decision. I didn't get one.  Did I just get denied?

Ron.

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Although I've always had instant approvals, I have some non-military friends who have had to give an oral statement of their income.  Also, depending on your CL with their other card, they sometimes will say they have extended the maximum amount of credit possible at this time.  I'd bet they just want income verification.

[konabill]

No docs required for my account. CSR asked to verify income amount (verbally)..  

                                                                 Yes I was approved.  

                      CSR was VERY polite and helpful.....also gave a sales-pitch on auto insurance etc.    ( I believe the extra chance for an added sales pitch was the only reason I had to speak to a CSR  about my CC approval.)  Just my opinion. Good luck.......... BTW I really like USAA

[Ron1]

Thanks for reply. I haven't heard anything from them. I'm still waiting for their answer.

Ron.

[Ron1]

konabill,

Thanks for your reply.  Did you apply for Amex or MC? How long did you wait for income verification? Did they call you or send you an email?

Ron.

[Ron1]

Thanks anyone. I just got an email from USAA  for credit card decision. I just get denied. 

The reason were:

• time since most recent auto account opening is too short
• too many inquiries in last 12 months
• Maximum credit extended

Oh well. Try it next year. It is time to stop applying for cards. I don't have anything to get.

Ron.

[blacklotus]

May I ask what credit bureau USAA pulled?  I am doubting it was TU

[Ron1]

They pulled EXP.

Ron.