Reply
Frequent Contributor
musikklvr
Posts: 357
Registered: ‎01-19-2009

OMG! Just got approved for USAA Amex!

I cannot believe this. I still have butterflies. I received an "Invitation" to apply in the mail over the weekend. I opted out of offers 2 years ago so I was surprised when I saw this.

 

Anyway, I debated on whether I should apply because I didn't want a wasted inquiry. I bit the bullet and applied just now. I got instantly approved for $3k credit limit at 11.9%. My highest limit to date was $700. I just got my scores up to 703 and opened a Roth last month so I'm wondering if that was the kicker.

 

Anyway, I am so happy. I worked hard over the past 2 years on my credit and I'm finally seeing my fruits.

 

Now, I am thinking about closing my Credit One card and next year I will have a funeral for my Orchard Bank card. :smileyhappy:


Starting Score: 668
Current Score: 712
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: OMG! Just got approved for USAA Amex!

Congrats! That's a good limit to start with.

 

Since you're a customer of USAA, that's why you get preapprovals, even when you're opted out.

 

I think there's a mechanism for opting out of offers from businesses that you already do business with, but that's beyond the basic opt-out that I think you chose.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Contributor
startover03
Posts: 62
Registered: ‎09-01-2009

Re: OMG! Just got approved for USAA Amex!

Congratulations!  It's great to hear of your success in rebuilding! 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+