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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: USAA Amex should I app?


youngandcreditwrthy wrote:

Yes, a few veterans but they are dead:-/


Others may chime in but I think thats the only way to get in if your not directly affiliated with the military.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
0

Re: USAA Amex should I app?

ohhhh

hmm

idk. I'll consider it for the future in that case.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Ron1
Posts: 4,820
Registered: ‎05-23-2009
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Re: USAA Amex should I app?

I agree with LS.  The card has tier rate. I've had the card for almost two years. USAA gave me a generous CL.  I think Amex BCE/BCP is better.  I heard they only give it to full member. 

 

 

Ron.

Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
0

Re: USAA Amex should I app?

Ron- do you think I'd get approved for the BCE Amex? I applied like a year and a half ago and was denied. I know Amex is a stickler:-(

I realllllyyyy want the BCE. The USAA Amex was a card I'd settle for in lieu of the BCE.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Ron1
Posts: 4,820
Registered: ‎05-23-2009
0

Re: USAA Amex should I app?

I think you might get approved for Amex Zync with your score. First, you get the charge card. Then try to apply for Amex BCE after six months ( having the Zync card). The credit cards usually need higher score to get than charge card.

 

 

Ron.

Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
0

Re: USAA Amex should I app?

Ahhh! Good advice.... I'll still wanna get that util down on Trav Amex.

If I get approved for the Zync with NPSL vs the auto-pay one, would it be wise to apply for an Amex revolver the same day?

Thanks Ron! I can tell from your posts that you know what you're talking about! :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012
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Re: USAA Amex should I app?

I apped for and was approved for a Zync NPSL and immediatly (as in within minutes) apped for the Delta Gold, one HP for 2 cards. As always YMMV

What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
0

Re: USAA Amex should I app?

What were your scores Cagegym if you don't mind my asking? I'd say mine are all high 600's. I have deferred student loans which seems to matter a lot to Amex per my prev'ly denied app back in 2011.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012
0

Re: USAA Amex should I app?

[ Edited ]
Same as listed right now, and I had an AoAA of about 1.5 years with no baddies, only card I had on my report was the Cap1. EDIT: All they pulled was EX.

What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Senior Contributor
youngandcreditwrthy
Posts: 6,199
Registered: ‎08-16-2012
0

Re: USAA Amex should I app?

Oooooo Im soooo tempted my EX is my best report, surely at or topping 700 fico. Eeeeekkkk what waa your util? I just have util on one card as mentioned. I have several high limit cards with no balance though!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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