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Your secured card with USAA graduated? I didn't think those cards did that.
Sorry, it was the NFCU Card that graduated after one year.
My scores are worse than yours(CreditKarma shows my TU as 576) and my other two are lower. And I just opened an NFCU account and was approved for an unsecured CC for $500. I didn't think I would get approved, but everyone on here was saying they were very generous, so I gave it a shot.
NFCU has only pulled EQ for my applications. I've heard of them pulling EX but I think that might be because the inherited a contract from their acquisition of another CU a year or two ago. So the EQ FICO is the thing to look at.
Thanks for the info everyone.....I joined NFCU and PSECU. I have not applied for a card as of yet...I recieved a BofA card last month with a 3K CL ( think they were generous bcuz I have an IRA with them from my previous employer) I am trying to get other baddies off before I apply for a CC or refinance our truck at either CUs. However, I know FAKOs are worthless but I started out joining this forum Aug 8 2012 with FAKO scores EX 565 EQ 550 TU 602 and know they are EX 633 EQ 633 and TU 674. Cant get my EX FICO yet from PSECU since I just joined this month but I think by December and working to remove 3 of the 5 baddies left on my Credit report I should be high 600s maybe 700.
Thanks again everyone!