Reply
Frequent Contributor
Posts: 388
Registered: ‎09-06-2007

USAA Members--"My Offers" page?

Question to all you USAA members--

 

How can you tell if you are "preapproved" on the "My Offers" page for a credit card versus a standard get-you-to-apply plug? Does it say anything regarding being preapproved?

 

I've seen the "Apply for a credit card" link before, but it's never mentioned anything about being preapproved, or prequalified.

 

I'm really really wanting to apply but I know my scores aren't high enough...yet.

Wisdom doesn't automatically come with old age. Nothing does - except wrinkles. It's true, some wines improve with age... but only if the grapes were good in the first place.
Regular Contributor
Posts: 134
Registered: ‎05-05-2008

Re: USAA Members--"My Offers" page?

Mine say pre-approved. I accepted a personal loan last month and they never even pulled a hard for it. Are you sure they don't have the pre-approved language anywhere on it?
FICO TU 730 EQ 731 EX 706
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007

Re: USAA Members--"My Offers" page?

If you click on it and it just has the generic banners describing their products, that is not a pre-approval. I finally had some offerings this past week. 

 

My personal loan, looks like this:

 

 Personal Loan Pre-Approved Internet Offer Product Pre-Approved Up To Internet Rate Expires Competitive-rate Personal Loan* $5,000.00 12.00% Fixed 11/13/2008

This offer may be the right choice if you:

  • Want a term up to 48 months to suit your lifestyle.
  • Need to make a special purchase.
  • Want to manage unplanned expenses.
                       Learn More                                                ACCEPT
Restrictions apply. Details at bottom.

 

I did not accept, as I don't need one at this time.

Frequent Contributor
Posts: 388
Registered: ‎09-06-2007
0

Re: USAA Members--"My Offers" page?

Hm...yeah that definitely doesn't appear on my "offers".

 

Stef, do you mind sharing your scores at the time of that "offer"?

 

I'm dying to app for one of their credit cards but I am pretty sure I would get declined right now. EQ 661...Alot of my accounts will go a year+ over the next few months so I'm hoping that will give me a score boost, plus I just paid everything off and should see a bump of a few more points from that.

 

Wisdom doesn't automatically come with old age. Nothing does - except wrinkles. It's true, some wines improve with age... but only if the grapes were good in the first place.
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: USAA Members--"My Offers" page?


MeganML84 wrote:

Hm...yeah that definitely doesn't appear on my "offers".

 

Stef, do you mind sharing your scores at the time of that "offer"?

 

I'm dying to app for one of their credit cards but I am pretty sure I would get declined right now. EQ 661...Alot of my accounts will go a year+ over the next few months so I'm hoping that will give me a score boost, plus I just paid everything off and should see a bump of a few more points from that.

 


SW reports my EQ at 705 right now. I have had my auto loan with them for 6 months now, so don't know if that helped any.

 

I asked for the MC when EQ was around 680 and I had to request recon. I was denied for short credit history. I asked that they pull TU or EX and was approved. I wanted it so I could use the deposit@home feature.

New Visitor
Posts: 1
Registered: ‎12-11-2012
0

Re: USAA Members--"My Offers" page?

it says preapproved on the application

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.