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@Achase wrote:
I applied for a USAA credit card at least 3 times last year. Once in oct 730 eq, nov 751 and once in dec 732 eq and I was denied every time. Each time I tried to recon and the decision remained the same but the csr told me that usaa likes to see baking relationships. Last month I opened a checking and savings acct with 25 in each acct and the next day I applied again for the 4th time 728 eq now and I get approved $2500 platinum mc. I'm like WTF. The limit is kinda low but hey after a few months I'll request a increase Ima do all my banking with them for the next quater so they can see my money flow.
Anyone else have a similar experience with usaa or another institution?
I have had their credit card for 2 years now... and all they have done was raise my limit from $500 to $1000 once in those 2 years...
based on scores listed you did very well by doubling your cl with usaa,
a limited member would often be denied for the card at app. under 650.
OP- Gratz, your persistence paid off! great bank to work with.
@JagerBombs89 wrote:
@Achase wrote:
I applied for a USAA credit card at least 3 times last year. Once in oct 730 eq, nov 751 and once in dec 732 eq and I was denied every time. Each time I tried to recon and the decision remained the same but the csr told me that usaa likes to see baking relationships. Last month I opened a checking and savings acct with 25 in each acct and the next day I applied again for the 4th time 728 eq now and I get approved $2500 platinum mc. I'm like WTF. The limit is kinda low but hey after a few months I'll request a increase Ima do all my banking with them for the next quater so they can see my money flow.
Anyone else have a similar experience with usaa or another institution?I have had their credit card for 2 years now... and all they have done was raise my limit from $500 to $1000 once in those 2 years...
(emphasis mine)
Achase wrote:
I applied for a USAA credit card at least 3 times last year. Once in oct 730 eq, nov 751 and once in dec 732 eq and I was denied every time. Each time I tried to recon and the decision remained the same but the csr told me that usaa likes to see baking relationships. Last month I opened a checking and savings acct with 25 in each acct and the next day I applied again for the 4th time 728 eq now and I get approved $2500 platinum mc. I'm like WTF. The limit is kinda low but hey after a few months I'll request a increase Ima do all my banking with them for the next quarter so they can see my money flow.
Anyone else have a similar experience with usaa or another institution?
They really are funny. The declined me 4 times. Last week I opened a savings and checking with them and app'd for their total rewards amex, and I was instanly approved for 15k. They gave me my account # and 1000.00 to spend immediatly if i choose too.
Go figure. But I am so happy this is my highest limit to date.
@Achase wrote:
yup USAA either wants a full banking relationship or relationship at all
are you a full or limited member?