topic Re: USAA WE ARE IN! in Credit Card Approvals

USAA WE ARE IN!

Creditaddict — Sat, 21 Nov 2015 01:05:33 GMT

OMG, I'm banned for 24 hours and I have the best news ever happen!!!!

My parents were just how here visiting and I start talking to my mom about getting her sister to join through her daughter so that then my mom can join and then I can join and trying to explain why the process is like this when all of a sudden my dad chimes in "Why don't I qualify? I'm retired Army!!"

WAIT, WHAT?

I had to apologize to him first for being the age I am now and not realizing how long he had served for WAY BACK.

Then after that I was like, YES PLEASE!

After joining online and then calling in and he had a chat with a rep to correct things that didn't link up for qualifications correctly online, he was in!

He was able to purchase a $2500 Umbrella Jewelry insurance policy and then BOOM, My account all of a sudden was FULL MEMBER!!

Instantly applied for Basic MC and instantly approved for $7k at 15.45%

Went back in and applied for Basic Visa and instantly approved for $7k at 15.45%!

Needless to say, another quick phone call and they corrected my partners account to reflect our relationship and boom he was FULL MEMBER AND Pre-Qualified for Rewards MC with 0% until 9/2017! = Instant approval for $7k (Shocked at the low limit but will take it!)

back in for a Basic Vis and instant approved for another $7k at 15.45% also.

How many products can you have all at once?

Do they have a line of credit for checking like Navy?

I was instantly declined a personal loan with a pull from EX for to many inq and new accounts.

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 01:14:35 GMT

Holy mother of mercy

Congrats!!!

I haven't done a LOC like Navy, and I have yet to meet anyone that has more than 2 Cards with USAA. Cards can easily grow past $30k. I have used their IRA, banking, insurance and Auto Loans, so if you need anything on those, tah dah *jazz hands*

Didja See their Cash Back AmEx? Pretty sweet.

Freaking Awesome. THIS IMO is karma paying it forward since Discover trials and tribulations. USAA > Discover IMO.

EDIT: GO dl their phone app if you are an iPhone user. Stupidly easy to use.

Re: USAA WE ARE IN!

elim — Sat, 21 Nov 2015 01:13:53 GMT

nice! USAA is another lender that does'nt care how you use their cards. feel free.

congrats

Re: USAA WE ARE IN!

elim — Sat, 21 Nov 2015 01:16:04 GMT

I forget... do they counter on CLI requests? (every 6 months/EQ HP)

Re: USAA WE ARE IN!

Creditaddict — Sat, 21 Nov 2015 01:16:39 GMT

My bad, my 2 cards are 14.9% actually.

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 01:17:40 GMT

Awesome! Giant congratulations!

Re: USAA WE ARE IN!

Chilli — Sat, 21 Nov 2015 01:24:59 GMT

Congrats!

Now the questions! Do you have a bk showing? You mentioned they pull EX? What's ur score?

Congrats again!!!!!!

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 01:27:29 GMT

IDK if they counter. I have the Classic AmEx and my Parents honestly get Auto CLI bi-annually.

Parents RAVE about their Mortgage lending too. *eyeroll* Anyway, USAA is pretty freaking sweet. Super happy for you.

EDIT: UNCLEB IS A USAA USER TOOOOOOO banking and CC. He should know.

Re: USAA WE ARE IN!

Creditaddict — Sat, 21 Nov 2015 01:26:58 GMT

@Chilli wrote:
Congrats!

Now the questions! Do you have a bk showing? You mentioned they pull EX? What's ur score?

Congrats again!!!!!!

the bk is still on my EQ but on no others.

I thought USAA used EQ.

but when I applied for the personal loan it popped back instantly with EX listed but no score but I'm 698 off Experian Fico score, 718 through Chase Ex Fico.

Re: USAA WE ARE IN!

B335is — Sat, 21 Nov 2015 01:42:55 GMT

Congrats, I'm super jealous!!

Re: USAA WE ARE IN!

Saleen099 — Sat, 21 Nov 2015 01:49:52 GMT

NICE Congrats!!!!!

Re: USAA WE ARE IN!

woodyman100 — Sat, 21 Nov 2015 01:57:29 GMT

As Elim said, HP in 6 months for CLI. Usually they will double if you qualify, but I don't know about 2 cards at once.

Congrats!

Re: USAA WE ARE IN!

alextercero — Sat, 21 Nov 2015 03:16:03 GMT

Congrats

Re: USAA WE ARE IN!

FinStar — Sat, 21 Nov 2015 03:24:38 GMT

@Creditaddict wrote:
OMG, I'm banned for 24 hours and I have the best news ever happen!!!!

My parents were just how here visiting and I start talking to my mom about getting her sister to join through her daughter so that then my mom can join and then I can join and trying to explain why the process is like this when all of a sudden my dad chimes in "Why don't I qualify? I'm retired Army!!"
WAIT, WHAT?
I had to apologize to him first for being the age I am now and not realizing how long he had served for WAY BACK.
Then after that I was like, YES PLEASE!
After joining online and then calling in and he had a chat with a rep to correct things that didn't link up for qualifications correctly online, he was in!
He was able to purchase a $2500 Umbrella Jewelry insurance policy and then BOOM, My account all of a sudden was FULL MEMBER!!

Instantly applied for Basic MC and instantly approved for $7k at 15.45%
Went back in and applied for Basic Visa and instantly approved for $7k at 15.45%!

Needless to say, another quick phone call and they corrected my partners account to reflect our relationship and boom he was FULL MEMBER AND Pre-Qualified for Rewards MC with 0% until 9/2017! = Instant approval for $7k (Shocked at the low limit but will take it!)
back in for a Basic Vis and instant approved for another $7k at 15.45% also.

How many products can you have all at once? Several but depends on UW and creditworthiness. Max CL accross all cards is $50K. And, I have reached that with 2 CCs. No SP CLIs, sorry. Auto-CLIs are rare. All CLIs are HP and typically can request after 6 months.
Do they have a line of credit for checking like Navy? AFAIK, nothing like Navy's CLOC - they have OD protection but it requires a second account number to charge for overdrafts.
I was instantly declined a personal loan with a pull from EX for to many inq and new accounts. Personal Loan UW is tougher than auto, of course.

Way to go and making your dad a guinea pig! LOL

USAA is great! I've had them since the dinosaurs roamed the planet.

Re: USAA WE ARE IN!

CH-7-Mission-Accomplished — Sat, 21 Nov 2015 03:45:28 GMT

Okay, dumb question. Why do you like USAA's credit products? Those rates on those cards are much higher than you would get from most of the good CU's and I'm not aware of any great reward programs.

I have never read on here about anyone commenting on USAA besides their secured cards, and that they are not BK friendly.

I'm a member of USAA and get my insurance there. Love them for that. Just not sure why anyone would want their credit cards.

Re: USAA WE ARE IN!

Creditaddict — Sat, 21 Nov 2015 04:22:43 GMT

Rates as low as 6.9%!!!
CL up to $50k!
And going to switch auto/renters and save $100/month!

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 07:48:10 GMT

Congrats on your new CCs and membership.

I am also a member with insurance and a CC.

Great institution for insurance, good CSRs.

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 09:39:45 GMT

USAA does not offer a "line of credit." They encourage a person to use their credit cards up to $2,500 and apply for loans after that. Now they do have flexibilities in how one can use their credit cards and they allow their use without fees in many cases. As to the rewards on their credit cards it is the redemption side of the equation that is not very market competitive. However, I use their credit cards often like a line of credit and work it so I virtually don't pay fees so there are trade offs. I do not have another lender that can match their flexibility (without fees) and they give me instant credit for electronic transfers to my checking/savings account even though it may be a couple days before the funds come out of the transfer source. Again no other bank I have matches that so ... there is a give and take.

Re: USAA WE ARE IN!

Mellon — Sat, 21 Nov 2015 10:24:42 GMT

@Spider15 wrote:
USAA does not offer a "line of credit." They encourage a person to use their credit cards up to $2,500 and apply for loans after that. Now they do have flexibilities in how one can use their credit cards and they allow their use without fees in many cases. As to the rewards on their credit cards it is the redemption side of the equation that is not very market competitive. However, I use their credit cards often like a line of credit and work it so I virtually don't pay fees so there are trade offs. I do not have another lender that can match their flexibility (without fees) and they give me instant credit for electronic transfers to my checking/savings account even though it may be a couple days before the funds come out of the transfer source. Again no other bank I have matches that so ... there is a give and take.

Re: USAA WE ARE IN!

Anonymous — Sat, 21 Nov 2015 13:23:46 GMT

Congratulation CA!!!! I'm a member of USAA through my boyfriend! Didn't have to submit documentation or anything. Now I have full coverage auto insurance for $99 a month! I have over $300 in premium discounts. The last time I applied for a card I had bad stuff on my credit. All 3 are clear now and I want to try again but I'm scared 😂 and I don't want a dang secured card!!!!! All scores are in the 700s now 💃🏽