I know that now USAA offers cards for those who have not served in the military, so I would like to lay out my credit life and hope to get insight from everyone, I would really appreciate it, thanks everyone!
I'm 20 and my AAoA is 2 years old.
Never had any missed/late payments.
My inqs are 3 for the year. 20% Utilization rate
My scores 8 months ago were 662. And I know it's improved, so I'm going to guess high 600's/ low 700's?
Also, which USAA card would you guys recommend? The Platinum Mastercard?
You see below what my scores are. Last summer I applied, and received, an Orchard MC with a $300 CL. I quickly checked my scores here (I had been repairing) and when I saw what they were immediately applied for Wells-Fargo and AMEX Gold. I was approved for both, with an $11K CL with WF. I let the accounts age for six months.
I app'd for USAA after receiving a pre=approval letter (I am a Reservist with 16 years of service including 18 months in Iraq in 06-07). I was denied. The reason was because of some old lates that didn't seem to bother either WF or AMEX. I tried to recon and they wouldn't even consider it. So, I immediate app'd for Navy FCU who gave me a visa with a $10K CL
I am sure USAA has their reasons. What they don't have is my business.
Starting Score: TU 672 EQ 654 10/20/09 Current Score: TU 775 EQ 783 EX 799 (PLUS) AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K