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USAA 'made' me app....approved for $20,000 each x 2 (MC & AMEX)

Senior Contributor

USAA 'made' me app....approved for $20,000 each x 2 (MC & AMEX)

I was done with all apps.  Really and truly.

 

But, I just began banking with USAA, moved all my insurance products to them (auto, home, valuables, umbrella, flood, life).

 

However, I didn't have Deposit@Home available (edeposit).

 

I called in and asked why?  And they explained that Deposit@Home (edeposit) is a available to credit qualified members, and that I would need to apply for credit.

 

Hmmm....I really like edeposit.  I'm hooked on it now.  So I said, okay.

 

World Mastercard (Cash) APPROVED for $20,000.

 

Asked if I wanted an AMEX too.  I asked if it will result in another hard pull - they said no....okay, why not.

 

APPROVED AMEX (Cash) for $20,000.

 

So honest, HTSU, USAA made me do it Smiley Wink

 

 

Message Edited by txjohn on 08-30-2009 01:48 PM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 1 of 24
23 REPLIES
Moderator Emerita

Re: USAA 'made' me app....approved for $20,000

They're brutal that way! Smiley Very Happy

Congrats and welcome (again) to the fam.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 24
Senior Contributor

Re: USAA 'made' me app....approved for $20,000

So far the only downside to USAA is they don't offer HSA accounts. 

 

So I guess I'll put that with Alliant who pays 3.5% on HSA, which is pretty good rates.  But Alliant doesn't administer HSA internally, it's done third party and Alliant online is pretty antiquated.  But I do like Alliant eDepositPlus!!!!

 

 

 

 

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 3 of 24
Regular Contributor

Re: USAA 'made' me app....approved for $20,000

That's just great, John. Those are terrific limits.

 

Like you, I've used & fallen in love with Alliant's eDepositPlus, so I have no trouble understanding why you'd want USAA's Deposit@Home service.

Message 4 of 24
Senior Contributor

Re: USAA 'made' me app....approved for $20,000

Thanks.

 

DW recently opened Alliant (had to manual on phone, online couldn't verify ID for some reason).  But eDeposit isn't available since she didn't app for credit.  Main purpose is for HSA.  But I guess she'll go ahead and do a CC with them so she can access eDepositPlus.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 5 of 24
Valued Contributor

Re: USAA 'made' me app....approved for $20,000

The other qualifier for deposit at home, last I checked was you have to be a "full" member- Not that you aren't  just so anyone reading won't get the wrong idea.
Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 6 of 24
Established Contributor

Re: USAA 'made' me app....approved for $20,000

Wow txjohn!

 

How nice is that! So I understand clearly, you actually received 40k worth of credit in one phone call?

 

I  joined USAA, sent them 5 figures of deposit, and then realized I was not a "full" member so I closed my savings account with them as I could not qualify for any of their insurance products. I understand I could apply for a credit card without being a full member though.

 

Congratulations! I sure wish I could be a full member of USAA Smiley Sad an outstanding FSB ( I think that is their status) 

 

 

Message 7 of 24
Senior Contributor

Re: USAA 'made' me app....approved for $20,000

Nice apps Tx.
Message 8 of 24
Valued Contributor

Re: USAA 'made' me app....approved for $20,000


plasticman wrote:

Wow txjohn!

 

 

I  joined USAA, sent them 5 figures of deposit, and then realized I was not a "full" member so I closed my savings account with them as I could not qualify for any of their insurance products. I understand I could apply for a credit card without being a full member though.

 

 

 

 


I think their credit products have higher rates then Full members and you may not be able to get on eof the cards they offer.

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 9 of 24
Senior Contributor

Re: USAA 'made' me app....approved for $20,000

Nice approvals, txjohn! Congrats!

 

(Did you see the current thread which contains instructions on how set up an AAoA calculation in Excel?)   Smiley Wink

Message 10 of 24