Chase, I would not even think about
USAA - it's a possibility, but I would wait. Get your scorres a little higher, paye ervythng on time for a few more months.
I was approved for 1500 Visa in March with MyFICO EQ 641. NO negatives on my EQ report except very high utilization - over 70% - and a paid judgement from two years earlier.
at the the time of my approval:
I was AU on two cards of my wife through USAA
I had direct deposit of my payroll to USAA
I had a small savings account with USAA
I had spotless payment history for the previous year and a half on all 19 of my tradlines that had been opened in the last 2 years (including a car loan and lease).
Still spotless payment history and plan to keep it that way.
Utilization now down below 40%
Starting Score: 534 11/09