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WHAT'S YOUR VIEW

Frequent Contributor

WHAT'S YOUR VIEW

Which of the following Credit Cards would you apply for.

 

Navy Federal, Pentagon Federal or USAA

 

Or all three????

8 REPLIES
Established Contributor

Re: WHAT'S YOUR VIEW

I'm not eligible for NFCU, I don't have good enough credit for PenFed, so that left USAA. Having their card gave me an insurance discount and they have been very generous with limits (currently 13k, more than twice any other card). They are easy to work with and have great customer service. They also approved me for an unsecured personal loan that took about 3 minutes to complete and was in my account within 24 hours. 

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Established Contributor

Re: WHAT'S YOUR VIEW

Personally, I would love to get in with Navy Fed, but it's not gonna happen.  If you're eligible, they're great if you're rebuilding/have subprime credit, and if your credit is good you should get some awesome starting CLs.

 

USAA has great products for full members, so if you're eligible for that I would say go for it; partial members, not so much, but still worth a try if you can't get into Navy Fed. They do have good starting limits on their CCs.

 

PenFed is the most conservative of all, and it seems they either like you or hate you.  They allowed me to join, but I didn't qualify for any of their cards.  They require excellent credit, and are sensitive to high utilization, multiple inquiries, etc.  I'm going to wait them out (patience of Job) and see if they'll offer me a card (SP only) at some point in the next couple of years.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Frequent Contributor

Re: WHAT'S YOUR VIEW

what are the USSAA requirements>\???

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Established Contributor

Re: WHAT'S YOUR VIEW


IECredit wrote:

what are the USSAA requirements>\???


Anyone can join, but unless you're military or eligible through someone who is, you're considered a partial member.  CC rates are not good if you're partial, and I checked into an auto loan and it also said I wasn't elgible.  Full members can get great rates on cards, as well as full access to their other products.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Frequent Contributor

Re: WHAT'S YOUR VIEW

I looked on website for a membership and they asked fro SS#, do they do a Hard pull?

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Established Contributor

Re: WHAT'S YOUR VIEW

They did not do a HP on me when I joined.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor

Re: WHAT'S YOUR VIEW

Hands down NFCU if your eligible.  You need amazing credit for penfed.  If your only a partial member with USAA the rates arent that great and they arent as leniant

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor

Re: WHAT'S YOUR VIEW

If you're eligible I would go with Navy Federal CC. USAA is good too but they're still just a bank and so they do have shareholders.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.