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Just wanted to share my experience.
Joined USAA last month through my wife, she is a full member because her father is in the air force.
Apped the world mastercard rewards card online, instant approval $3000
Then pulled the trigger on Amex, got a message saying further review needed.
They called me this morning, the rep was very friendly and she kept me on a hold while she talked to the underwriter, and she said they are willing to split my CL evenly between amex and MC if i wanted it that way, but they cant issue any more credit.( reason lot of new recent credit opened)
I thought for a minute and declined, she kept me on a hold again and came back asking me about a judgement on my report. I said its mine and im paying it off.
Hold for few more minutes and she comes back congratulations they approved you for a amex with a $1000 limit and u keep the MC limit at $3000 YAY.
I have been rebuilding my credit for a year now.
Dont see which report they pulled, but I am sure its equifax and my FICO score yesterday before they pulled was 693
Also did a credit limit increase request at my local CU started with $1k last october went to $4k this march and yesterday went upto $10k.
I am done apping and back to gardening mode.
Below is my credit profile.
Baddies: no lates, collections, eqifax reports 1 judgement , experian reports 2 judgement, TU reports 2 judgements.
AAOA 3 yrs thanks to amex Zync backdating to 2001
Capital one $750, Paypal smart connect $2000, Amex zync , BOFA secured $1000, Orchard $600, CU $4000 , Walmart $1000 , Sams club $1000
USAA customer service is the best i have seen so far !!!
Congrats!!
How is your utilization?
I'm considering applying for a card from them in a few months.
Thanks!
I've got a lot of overtime to do before qualifying for a limit that really made a new app worth the pull.
I tried to get a credit product from USAA for years with out any success even though I have bank and investment accounts with them.