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Valued Contributor
Posts: 1,093
Registered: ‎08-30-2013
0

USAA...Hopped The Garden Fence-And.....

Got approved instantly for USAA Platinum Visa---$11k CL!! That is higher than ALL of my other accts. combined and then some. I was originally going to go for the Duck card but felt for sure I would strike out so I opted for this (USAA) b/c at least I'm a member. Joined a month ago. Okay-lead me back to the garden (until sometimes next year).

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Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
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Re: USAA...Hopped The Garden Fence-And.....


Credit-hoarder wrote:

Got approved instantly for USAA Platinum Visa---$11k CL!! That is higher than ALL of my other accts. combined and then some. I was originally going to go for the Duck card but felt for sure I would strike out so I opted for this (USAA) b/c at least I'm a member. Joined a month ago. Okay-lead me back to the garden (until sometimes next year).


WTG congrats 

Now get to planting Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Member
Posts: 25
Registered: ‎10-12-2013
0

Re: USAA...Hopped The Garden Fence-And.....

That's a great addition to your wallet. Congrats!

 

Happy Gardening!

 

 

Seedling:

Discover It 5.5K / OCCU Duck 5K / Sportman's Guide Visa 5K / Walmart Discover 4.2K / Citi AA Amex 3.5K / Chase Freedom 2K / Cap1 Quick Silver 2K / BOA Cash 2K / Amex BCE 1K - Too many store cards to list!

Garden since 11/14/2013 - No need to apply for any new credit until closing on my home! (Summer 2015)
Valued Contributor
Posts: 1,093
Registered: ‎08-30-2013
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Re: USAA...Hopped The Garden Fence-And.....

Thanks myjourney and chewchowlady. I absolutely was NOT expecting a 5 figure approval-thank goodness I was already sitting down-LOL. That CL makes me set for  for a LONG time.  The next things I might work on are SP CLI's for some of my other existing cards incl. Discover IT and a possible upgrade from Macy's to Macy's Amex. But NO MORE HP's and new apps for a long time.

Valued Contributor
Posts: 1,350
Registered: ‎07-07-2013
0

Re: USAA...Hopped The Garden Fence-And.....

Congrats! I love USAA. Smiley Wink
Established Contributor
Posts: 849
Registered: ‎03-09-2013
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Re: USAA...Hopped The Garden Fence-And.....

Congrats Credit-hoarder! I don't think anyone can argue about your choice in cards with an $11,000 approval.
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: USAA...Hopped The Garden Fence-And.....

Congratulations OP! Very nice limit!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Valued Contributor
Posts: 2,473
Registered: ‎09-18-2012
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Re: USAA...Hopped The Garden Fence-And.....

Congrats!!!! Care to share your stats at time of app?
FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Valued Contributor
Posts: 1,093
Registered: ‎08-30-2013
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Re: USAA...Hopped The Garden Fence-And.....

When I last looked recently: EX fico 669, EQ fico 699, TU fico 704--8 newly opened TL's ranging from 1 to 2 mos. old--approx 5% util currently, one paid CO at least 3 yrs old and a few paid public records (HOA related) .ranging from 2 to 6 years old but no lates on any accts for the last 7 years at least. . Not a stellar CR by all means, but slowly improving.

Valued Contributor
Posts: 2,473
Registered: ‎09-18-2012
0

Re: USAA...Hopped The Garden Fence-And.....

[ Edited ]

Credit-hoarder wrote:

When I last looked recently: EX fico 669, EQ fico 699, TU fico 704--8 newly opened TL's ranging from 1 to 2 mos. old--approx 5% util currently, one paid CO at least 3 yrs old and a few paid public records (HOA related) .ranging from 2 to 6 years old but no lates on any accts for the last 7 years at least. . Not a stellar CR by all means, but slowly improving.


Thanks for these stats! I haven't checked my EQ since July but it was 734 then. My UTL has gone up a bit since then too. Def have USAA on my radar. I've been so happy with them since becoming a member. Are you a full or limited member?

 

Edit: And YAY! for improving. That is what I have been doing for years and it's so worth it.

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+

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