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USAA Card

Frequent Contributor

USAA Card

Anyone know what CRA they pull from? Easiest card from them? Score needed?
Message 1 of 22
21 REPLIES
Moderator Emerita

Re: USAA Card

Message 2 of 22
Frequent Contributor

Re: USAA Card

Yea I been one for about 5 years
Message 3 of 22
Established Contributor

Re: USAA Card

They pulled EQ for me. Didn't have any luck until my score was over 700.

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 22
Moderator Emerita

Re: USAA Card

EQ for me too. My DH has the advantage something or other but that's been awhile since he was approved. I was thinking about the WW Amex but I'm not sure anymore.
Message 5 of 22
Senior Contributor

Re: USAA Card

USAA typically pulls EQ and EX as alternate.  You need to have very decent scores (above 700+) and an overall clean CR.  However, as a prerequisite, you need to be a member to be elegible for any of their products.

Message 6 of 22
Frequent Contributor

Re: USAA Card

I just got 4 new accounts that just reported so I better let them report a few months. How long it take score to go back up after new accounts hit?
Message 7 of 22
Valued Contributor

Re: USAA Card

They have pulled EQ for both credits cards I have with them and the pulled EQ when I requested a CLI.  So, only EQ in my experience.  They have a secured card, which isn't hard to get.  If fact, I don't think any of the cards are that hard... I don't think you need a 700 either.

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
Message 8 of 22
Frequent Contributor

Re: USAA Card

USAA pulled EQ for me. I dont know what my score was but I didnt have an active credit card  at the time. I had closed it about 2 years prior. I had a car loan for a year when I received an offer for the card in the mail. I was approved for $3000. Just my experience.


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 9 of 22
Established Contributor

Re: USAA Card

@Dave, I think it depends on your membership status. Full members can probably get approved for their cards with a sub-700 score but I think it is a bit harder for partial members.

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 10 of 22