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USAA Amex?

New Contributor

USAA Amex?

Who do the usaa amex pull anyone know?  I think Usaa pulls Eq usually,  but I didn't know if it was different since it was co branded.
Message 1 of 37
36 REPLIES
Moderator Emerita

Re: USAA Amex?

USAA pulled EQ for my HELOC and for my daughters' CC's, but I had read that they were pulling EX more recently. Our most recent CC was DD#2 in September, and again, it was EQ. We're in Tennessee.
* 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
Message 2 of 37
Established Contributor

Re: USAA Amex?

Has anyone tried using any of the Amex features on the USAA Amex Card (e.g. purchase protection, warranty extension, etc)? If so, how was your experience. Did USAA handle this as well or did you go through Amex directly?
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 3 of 37
Regular Contributor

Re: USAA Amex?

Equifax all the time for me !
Message 4 of 37
Frequent Contributor

Re: USAA Amex?

Is USAA BK friendly? Mine was discharged in May of 2003, my scores are TU=633, EQ=691, and EX=672. I have close to 70% Util. available to me on my cards and no baddies since the BK. I desperately want my own Amex (my younger brother was kind enough to put me as an AU on his Blue account and Gold Rewards, but I really would like to have my own).

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 5 of 37
Established Contributor

Re: USAA Amex?



GST2008 wrote:
Is USAA BK friendly? Mine was discharged in May of 2003, my scores are TU=633, EQ=691, and EX=672. I have close to 70% Util. available to me on my cards and no baddies since the BK. I desperately want my own Amex (my younger brother was kind enough to put me as an AU on his Blue account and Gold Rewards, but I really would like to have my own).




If you have been w/ USAA for a long time and have several different types of accounts with them (e.g. checking, IRA, savings) you probably have a strong chance...good luck!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 6 of 37
Frequent Contributor

Re: USAA Amex?

Hmmm, perhaps I should look at setting up some of my accounts there then. I have several at HSBC, but they don't really seem to appreciate my business too much.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 7 of 37
Established Contributor

Re: USAA Amex?



GST2008 wrote:
Hmmm, perhaps I should look at setting up some of my accounts there then. I have several at HSBC, but they don't really seem to appreciate my business too much.




Good idea. My step mom, has been with USAA for 20 years, and has several accounts with them applied for a Amex with them last week and got the best darn offer. Her BK was 5 6 yrs old, but still on her file.

She go a Black Amex with a 25K limit, 0 % APR on Purchases and BTs for the first year, 5 % cash back on gas and groceries for first 12 months, and a 8.9% APR after the first year. I was jealous...my scores are about 50 pts higher on average than hers...however, she has been a long, loyal customer and that counts more than anything with them.

P.S. None of her other cards have a CL above 10K and APR below 16 %...that just further demonstrates my point: USAA is all about the customer, their history with them, and the number of products they use with them.

Good luck!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 8 of 37
Frequent Contributor

Re: USAA Amex?

I just checked the site. Sadly, I can't apply b/c nobody in my family who is a vet is a member. Oh well, lol, it was worth a look. Thanks for the info though.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 9 of 37
Established Contributor

Re: USAA Amex?

Sorry to hear. By chance, doesn't HSBC offer an Amex card? I use to see one in various places - might be worth a google. Good luck!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 10 of 37