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USAA CC

Regular Contributor

USAA CC

Hi everyone.  I  want to ask if anyone who has a USAA CC , if they know what their CC score was.  The reason I'm asking is, I want to pull the trigger with them, but my utilization is kinda high as well as my inquiries.   I don't want to spend the HP if I don't have to.  

 

 

Thanks to everyone on this board!  May your limits be high and your balances  be low...Smiley Very Happy

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Message 1 of 5
4 REPLIES
Super Contributor

Re: USAA CC


jnkp2001 wrote:

Hi everyone.  I  want to ask if anyone who has a USAA CC , if they know what their CC score was.  The reason I'm asking is, I want to pull the trigger with them, but my utilization is kinda high as well as my inquiries.   I don't want to spend the HP if I don't have to.  

 

 

Thanks to everyone on this board!  May your limits be high and your balances  be low...Smiley Very Happy


I was denied due to high utilization many years ago. My utilization was around 8%.  I applied over phone. They pulled EXP.  I think you need to pay it down your debt.

 

 

Ron.

Message 2 of 5
Contributor

Re: USAA CC

FWIW, USAA CC approvals hinge quite a bit on whether you're a full member or not. If you are, I believe they tend to be pretty lenient with approvals and very generous with lines... On the other hand, you don't hear a lot of approval stories from partial members simply because very few products are available to them (us), and the ones that are just aren't very competitive.

Message 3 of 5
Established Contributor

Re: USAA CC

I was approved last month as a partial member with a EQ score of 726(USAA). They gave me 12K CL. My utilization was about 8% at the time and I had inq on EQ. The inquiry was from July by USAA. They denied me then with an EQ Fico of 695.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 5
Highlighted
Frequent Contributor

Re: USAA CC

I was approved in June for the USAA Amex and then in July for the Plat MC.  My scores were in the mid 600's and I was approved with 4K each.  I am a full member. They pulled EQ if I remember correctly.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 5 of 5