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danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Would having USAA Amex help with getting Amex charge card?

Would having USAA Amex help with getting Amex charge card in the future

I am not so sure about having usaa amex is the same as having the real amex charge card

 

Any advice?Thanks guys

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
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mojobones89
Posts: 252
Registered: ‎01-21-2013
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Re: Would having USAA Amex help with getting Amex charge card?

seeing your score now and the little bit of credit profile you show,i say you have a good chance.

i had more INQ and a little bit less score and i got insta approved for both PRG and BCP

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danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: Would having USAA Amex help with getting Amex charge card?


mojobones89 wrote:

seeing your score now and the little bit of credit profile you show,i say you have a good chance.

i had more INQ and a little bit less score and i got insta approved for both PRG and BCP


oh sorry for not clearing this up

I had a bk with them in 06 and i am a no go but with having the Usaa amex wondering if it will help

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013
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Re: Would having USAA Amex help with getting Amex charge card?


danielodonoll wrote:

mojobones89 wrote:

seeing your score now and the little bit of credit profile you show,i say you have a good chance.

i had more INQ and a little bit less score and i got insta approved for both PRG and BCP


oh sorry for not clearing this up

I had a bk with them in 06 and i am a no go but with having the Usaa amex wondering if it will help


thats my bad for not asking more info.

i mean,i have seen people with more recent Bk'S and waay lower scores and STILL got APPROVED.

i mean if the rest of your profile is fine,im sure you will still have a decent chance.

and as far as having a usaa amex,im not sure and i would not want to give you misleading info,but my guess is that even though it is a usaa amex you will still have deal with usaa instead of amex for that card; then again when you do end up applying for that amex when you are ready not only would you had a previous relationship with them but im sure they will be able to see that you got a tier2 amex with another company who is affiliated with amex.

who knows i may be wrong as a dead horse!

 

IMO i say you give it a shot,the worst that can happen is for them to say NO.

 

New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: Would having USAA Amex help with getting Amex charge card?

I hear you and greatly appreciate your feedback on the matter in question

I would like to hear anyone alse having  any feedback on this

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
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09Lexie
Posts: 26,236
Registered: ‎09-13-2012
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Re: Would having USAA Amex help with getting Amex charge card?

Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
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Re: Would having USAA Amex help with getting Amex charge card?

USAA Amex is underwritten by USAA, and simply uses Amex's payment network. So you would not be dealing directly with American Express Bank that I can tell.

However, I'm not sure what type of arrangement USAA has with American Express and someone else would need to step in to really answer that. But this response can serve as a bump. My guess here is that since you aren't dealing with American Express' lending arm, then this wouldn't help you. But it probably also wouldn't hurt you, it would just end up looking like any other positive tradeline on your credit report.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: Would having USAA Amex help with getting Amex charge card?


09Lexie wrote:
Just to be clear, you IIB?

yes

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
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09Lexie
Posts: 26,236
Registered: ‎09-13-2012
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Re: Would having USAA Amex help with getting Amex charge card?

New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: Would having USAA Amex help with getting Amex charge card?

thats what i thought.

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170

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