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Regular Contributor
GeneralCucumbre
Posts: 153
Registered: ‎05-16-2012
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Re: USAA says card application was approved...but problem

UPDATE: 6/2/2012

 

So I just got off of a 45 minute phone call with USAA, I got disconnected once and had to call back...so I dealt with two representatives through the entire process.  USAA did confirm that my application was approved and the first representative told me that I was approved for the USAA Rate Advantage MasterCard with a credit line of $6000.  A decent credit line, but I was more concerned about the APR, but I didn't find this out...I hope it is good.  

 

After several times being placed on hold and the first representative conferring with the underwriting department...underwriting told them that they cannot confirm that the account was set up.  So, underwriting referred the first representative to another office (I think a higher up executive office) and then I was placed on hold, that is when I got disconnected the first time.  I called back and spoke to the second representative and he was able to trace back the steps to where I was when I got cut off.  He conferred with the higher up office and he had to get TWO specialists on the line to find out what was going on.  After being placed on hold for about 15 minutes, he basically came back on and said "At this point we can confirm that you were approved for the account, but we cannot find the account anywhere in our systems (I also cannot see it online).

 

He then told me to call back next Friday (6/8/2012) as they will take 5 business days to investigate the matter.  That is where I stand...


Chase Sapphire Preferred Visa Signature - $25,000 | Chase Freedom Visa Signature - $11,300
Chase United MileagePlus Explorer Visa Signature - $15,000 | Chase Slate Visa - $7,000
Citi AT&T Universal MC - $13,600 | Best Buy (Citi) Card - $8,000
USAA Platinum MC - $16,000 | AMEX Everyday - $17,000
GM BuyPower World Elite MC (Capital One) - $7,500 | Amazon Store Card - $3,800
Frequent Contributor
journey258
Posts: 265
Registered: ‎05-28-2012
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Re: USAA says card application was approved...but problem

Wow. Sorry the process has been so complicated for you. Sounds like just some sort of computer glitch. Good news is you know you have a card coming with a nice CL. Waiting sucks, but congrats!


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Regular Contributor
DonGonzalo
Posts: 183
Registered: ‎05-18-2012
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Re: USAA says card application was approved...but problem


GeneralCucumbre wrote:

UPDATE: 6/2/2012

 

So I just got off of a 45 minute phone call with USAA, I got disconnected once and had to call back...so I dealt with two representatives through the entire process.  USAA did confirm that my application was approved and the first representative told me that I was approved for the USAA Rate Advantage MasterCard with a credit line of $6000.  A decent credit line, but I was more concerned about the APR, but I didn't find this out...I hope it is good.  

 

After several times being placed on hold and the first representative conferring with the underwriting department...underwriting told them that they cannot confirm that the account was set up.  So, underwriting referred the first representative to another office (I think a higher up executive office) and then I was placed on hold, that is when I got disconnected the first time.  I called back and spoke to the second representative and he was able to trace back the steps to where I was when I got cut off.  He conferred with the higher up office and he had to get TWO specialists on the line to find out what was going on.  After being placed on hold for about 15 minutes, he basically came back on and said "At this point we can confirm that you were approved for the account, but we cannot find the account anywhere in our systems (I also cannot see it online).

 

He then told me to call back next Friday (6/8/2012) as they will take 5 business days to investigate the matter.  That is where I stand...


Congrats!  If you can see the new account when you log in, click on details, and there you'd see your APR.

Let's Go Heat!! Vamos Heat!
Regular Contributor
GeneralCucumbre
Posts: 153
Registered: ‎05-16-2012
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Re: USAA says card application was approved...but problem


DonGonzalo wrote:

Congrats!  If you can see the new account when you log in, click on details, and there you'd see your APR.


That's the thing...USAA is telling me that I was approved, but they cannot find any record of the account.  I cannot see it online, before I hung up today...the representative told me that I may have to put in another application.


Chase Sapphire Preferred Visa Signature - $25,000 | Chase Freedom Visa Signature - $11,300
Chase United MileagePlus Explorer Visa Signature - $15,000 | Chase Slate Visa - $7,000
Citi AT&T Universal MC - $13,600 | Best Buy (Citi) Card - $8,000
USAA Platinum MC - $16,000 | AMEX Everyday - $17,000
GM BuyPower World Elite MC (Capital One) - $7,500 | Amazon Store Card - $3,800
Regular Contributor
DonGonzalo
Posts: 183
Registered: ‎05-18-2012
0

Re: USAA says card application was approved...but problem


GeneralCucumbre wrote:

DonGonzalo wrote:

Congrats!  If you can see the new account when you log in, click on details, and there you'd see your APR.


That's the thing...USAA is telling me that I was approved, but they cannot find any record of the account.  I cannot see it online, before I hung up today...the representative told me that I may have to put in another application.


Do not submit another application.  That may result in another HP.  Let them figure out what's going on.

Let's Go Heat!! Vamos Heat!
Established Contributor
AndyK
Posts: 913
Registered: ‎06-09-2011
0

Re: USAA says app was approved...but (UPDATE)

When I applied for my USAA card a few weeks ago, I had a related issue. I got approved, but the card didn't get sent out (even though I ordered expedited shipping). The first tiem I contacted them they told me to give them '3-5 days'. I told them it had already been 5+ business days and I hadn't seen anything. The next reply then said that there was an issue with something in their system (I wasn't the first one to get that) where the application gets approved but the card never gets sent to card production, so they had to contact their 'back office' and it could take another 7 days. I finally did get the card, it just took them a lot longer than it was supposed to.

So issued with their CC app system don't really seem that rare. Just give them time.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Regular Contributor
GeneralCucumbre
Posts: 153
Registered: ‎05-16-2012
0

Re: USAA says app was approved...but (UPDATE)


AndyK wrote:

When I applied for my USAA card a few weeks ago, I had a related issue. I got approved, but the card didn't get sent out (even though I ordered expedited shipping). The first tiem I contacted them they told me to give them '3-5 days'. I told them it had already been 5+ business days and I hadn't seen anything. The next reply then said that there was an issue with something in their system (I wasn't the first one to get that) where the application gets approved but the card never gets sent to card production, so they had to contact their 'back office' and it could take another 7 days. I finally did get the card, it just took them a lot longer than it was supposed to.

So issued with their CC app system don't really seem that rare. Just give them time.


That indeed does sound a lot like the situation I am in right now.  As a matter of fact, the second office they contacted...they did call it their "back office".  They told me to give them a call next Friday (6/8/12) as they said it would take up to 5 business days to see what was going on.  Good to know that somebody else was in the same situation I am in and had a good outcome.

 

By the way, I was told that if I had to put in another application...that it would NOT cost me another inquiry placed on my Equifax file.  They said that they could just use the information from the previous application as they hold it for 30 days.


Chase Sapphire Preferred Visa Signature - $25,000 | Chase Freedom Visa Signature - $11,300
Chase United MileagePlus Explorer Visa Signature - $15,000 | Chase Slate Visa - $7,000
Citi AT&T Universal MC - $13,600 | Best Buy (Citi) Card - $8,000
USAA Platinum MC - $16,000 | AMEX Everyday - $17,000
GM BuyPower World Elite MC (Capital One) - $7,500 | Amazon Store Card - $3,800
Regular Contributor
psychoinhell
Posts: 565
Registered: ‎06-12-2010
0

Re: USAA says app was approved...but (UPDATE)

I do not know how USAA works internally, but I am going to try to give you a little hope here :smileyhappy:  My local CU has a loan board and anytime a loan/CLI or CC app is outside the paramters that are set forth in written policy that does not mean the app is rejected.  It simply means that the CU employees are not allowed to approve the app, they can however take the app to the loan board and suggest that it be approved.  USAA may operate under a similar premise.

 

Oh and at my CU the loan board, just like the board of directors are volunteers that are elected by the membership.


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: USAA says app was approved...but (UPDATE)

Off topic but, do you have a partial membership through your grandfather? I keep reading that in order to become a "full member" you would need your grandfather to join, then your father, and they would both have to have insurance through them....


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: USAA says app was approved...but (UPDATE)

My hubby and I tried to do Usaa back in January 2012... we had numerous issues with the credit card app for a secured card as well as verifying my husbands identity. We called customer service a few times without much success in resolving the issue. Anyways we gave up on them and I decided to try for zync and amazon chase. Found out hubby was an nfcu member in march the rest was history.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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