USAA Credit Card questions

[Creditaddict]

The Rep told me they pull all 3 for credit card application?? I don't think I had heard that before, is she wrong?

Are they BK Friendly?

What score required? 

[newstart2010]

I apped for the regular card, and they pulled all 3.  After I was denied she said that they have a min score of 650, but they take other issues into account.  The CSR told me that they are not BK friendly, but will listen to recon.  I am not sure if the secured card is BK friendly or not.

[bamagirl1]

I guess I had a different more pleasant experience..haha I applied in Jan 2010 and was approved for the USAA MC with a Bk 2004.  For me they only pulled EQ not all 3.

[Creditaddict]

then I will wait for my score to be much higher and bk be older

[Lyythine]

I dont think thats correct.  At least for full members... ive apped for several products and ONLY equifax was pulled.  

[Anonymous]

Full members do get preferential treatment with lower APR's, more products and the membership and depth of relationship are large parts of the decision.

I app'ed 2 cc's, first MC and then AMEX.  They pulled only EQ for the MC.  No new pull on AMEX (applied within minutes of each other). 

Possibly on lite-members they pull all three and are more conservative in nature?

[newstart2010]

I am a full member, and pulled out my report to make sure I was not speaking untrue.  I have pulls on all three bureaus from USAA for when I apped.  I have been a member of USAA for 9 years.  But my credit blows, so maybe they were just hunting for something good to base a decision on.  lol

[Anonymous]

Got the MC and the AMEX and they only pulled once on EQ for both cards.  Full member.  Credit scores were

in 710 - 730 range at time of app.

[tiger67]

Limited member. They only pulled EQ for me, approved for $15,000 MC with EQ 740.

[haulingthescoreup]

What often happens with all lenders is that they pull the usual report, get a bit scared and then pull another or both.

Not surprising, if you think about it. If your daughter (sister, mother) brings home a new date, and the only info you have on him is a bit spooky, wouldn't you keep looking?