Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 536
Registered: ‎05-16-2012
0

Re: USAA CC Offer


jwduke wrote:

 

I have a number of inquires (15 in the last 2 years), other than that, a 30 late over 4 years ago. My credit score (FICO) is 740......

 


How many inquiries in the last year? they don't matter or figure into your score past 12 months ago... I had high 600s when I apped for them with a late 6 years ago (60) and a major derog paid chargeoff 6 years ago and they gave me two 4k limits.. but when I app'd I was low on inquiries (2 or 3) and 9% UTI on a $300 card

FICO 08 EX: 802 EQ: 780 TU: 804

Total Credit Lines: $133,700
Contributor
Posts: 127
Registered: ‎01-14-2012
0

Re: USAA CC Offer

I have 8 (INQ) in the past year.....



Starting Score: 675
Current Score: FICO- 772 (09/20/14)
Goal Score: 780+ All Three




Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: USAA CC Offer

In my history with USAA, a pre-approval was a sure thing... I say go for it.

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: USAA CC Offer


Ron1 wrote:

jwduke wrote:

You are correct....Not sure if USAA is inquiry sensitive or not.


Yes, they are inquiry sensitve and credit utilization sensitive. I got denied because of high utilization (8%) many years ago. They pull either EQ or EXP.

 

 

Ron.


lol @ 8% being considered high util.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Contributor
Posts: 96
Registered: ‎06-18-2012
0

Re: USAA CC Offer

USAA is not inquiry sensitve (relatively speaking vs other banks like Chase), I have 6 from May-July, 5 of the inquiries are from USAA when i joined them in May and got, my auto loan thru them and 3 CCs, unfortunately they double dinged me on HP once. With that said, 4 apps 4 HP, unfortunately they dont use the same HP.

Wallet: NFCU CashRewards 35k-- USAA AMEX 28k-- USAA World MC 22k-- Discover IT 17.5k--Chase Freedom 23.5k-- NFCU NavCheck 15k
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: USAA CC Offer

[ Edited ]

I agree with going for the card if you want it, but I don't think that is the best USAA card at all.   It is only useful if you are frequently carrying balances because they offer a lower APR.  There are no rewards.  But they do have a great rewards program that is easy to use and integrated into the USAA site for their rewards cards.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
New Contributor
Posts: 106
Registered: ‎03-14-2012
0

Re: USAA CC Offer

I'm not really a fan of USAA's rewards either. I ended up converting to the Cash Rewards program as I generally don't want anything they had listed.

 

I'm actually about to e-mail and ask about upgrading me to the Active Duty World MC.

Established Contributor
Posts: 536
Registered: ‎05-16-2012
0

Re: USAA CC Offer


r34dy2fly wrote:

I'm not really a fan of USAA's rewards either. I ended up converting to the Cash Rewards program as I generally don't want anything they had listed.

 

I'm actually about to e-mail and ask about upgrading me to the Active Duty World MC.


Good thing about cash rewards is they have something similar to the UR mall with chase, where they offer extra cash points if you purchase from certain retailers, some good retailers on the list too...

FICO 08 EX: 802 EQ: 780 TU: 804

Total Credit Lines: $133,700
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: USAA CC Offer


r34dy2fly wrote:

I'm not really a fan of USAA's rewards either. I ended up converting to the Cash Rewards program as I generally don't want anything they had listed.



Except the rewards program gives you the option of selecting merchandise, gift cards, or cash back.  And you can save up your points forever (they don't expire).

The cash rewards program only allows cash back and then just automatically gives whatever you have earned each January.  Rgular rewards, on the contrary, allow cashing whenever you feel like it (as long as you have the points), or save up for as long as desired before cashing.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0

Re: USAA CC Offer

Although my experience with USAA has been positive and I agree that the pre-approvals under the My Offers tab are almost a sure thing just a word of caution. When they say you are pre-approved for up to $25,000 do not expect that will be the CL on your new card. That is simply the maximum for that product. USAA is not known for leaping out with incredible credit lines if you do not already have high limit products. If your current CL's are lower limit then expect a $2000 - $4,000 CL on the new card.

 

I have seen posters who have current CC's with USAA in the 5 digits get both a matching CL on the second card and a new CL at 25% of the existing line. But all in all USAA is great to work with and as mentioned their online account management and CSR's are definitely above average.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


Take the FICO Fitness Challenge

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.