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Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
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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

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
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jwduke
Posts: 117
Registered: ‎01-14-2012
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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




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Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
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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
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
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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 $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
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greeneman21
Posts: 94
Registered: ‎06-18-2012
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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
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DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
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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
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r34dy2fly
Posts: 104
Registered: ‎03-14-2012
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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.


AMEX Platinum EMV - AMEX SPG - Chase Sapphire Preferred EMV - Chase Sapphire - Chase Slate - Discover IT - Fidelity Investments EMV - USAA World MC EMV - USAA Rate Advantage Platinum MasterCard

Last App 07/21/2014 / Chase --- Garden till at least 07/21/2016. --- EQ 771 / EX 789 / TU 788
Frequent Contributor
seigex
Posts: 425
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...

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
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Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
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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
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HoldingOntoHope
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."

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