topic Re: Usaa old approval newly accepted. in Credit Card Approvals

Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 18:52:40 GMT

I applied a little over a month ago for usaa's cash rewards plus card and was denied but was countered with their platinum visa classic with a 1000 sl, mind you I just got approved for a discover chrome card for 9500 so I needed time to think and I posted for some advice, they gave me 45 days to decide.

So finally today I decided to to accept the offer for the card and decided to get my foot in the door with usaa and since I'm a rebuilder I'm hoping this card will grow with me. Below is my new portfolio. Dv

Suncoast credit union 500

Us bank Harley card 1000

Usaa platinum visa classic 1000

Cap 1 quicksilver 1300

Nfcu nrewards 1500

Overstock 1850

Discover it 3400

Amazon Prime 3500

Amex PRG

Discover it chrome 9500

EX 648 TU 654 EQ 665

Re: Usaa old approval newly accepted.

Adkins — Mon, 06 Nov 2017 19:32:20 GMT

Congratulations!! 👍👍

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 19:33:47 GMT

@Adkins wrote:
Congratulations!! 👍👍

Why thank you ma'am, I appreciate it! Dv

Re: Usaa old approval newly accepted.

AverageJoesCredit — Mon, 06 Nov 2017 20:03:33 GMT

Good job DV . Since you are rebuilding this looks like a nice "in" for you. Its my understanding that their classic cards are not real growers but hopefully this will open the doors for their better cards

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 20:09:29 GMT

@AverageJoesCredit wrote:
Good job DV . Since you are rebuilding this looks like a nice "in" for you. Its my understanding that their classic cards are not real growers but hopefully this will open the doors for their better cards

Good to know AJ thank you but my foot is in the door credit wise. Maybe I can pc when my scores grow or just cold app for a better card, at least this will build history with them. Dv

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 21:40:02 GMT

Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.

Re: Usaa old approval newly accepted.

AverageJoesCredit — Mon, 06 Nov 2017 21:51:58 GMT

Not sure if i recall correctly but USAA secure card doesnt graduate, TamDom08. Id rather go for a Discover secured if i was going secured route.

Hey Dv, looking at your cards , gotta say youve done a great job on diversification.

Re: Usaa old approval newly accepted.

CreditMagic7 — Mon, 06 Nov 2017 21:57:07 GMT

Congratulaions!

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 21:57:21 GMT

@Anonymous wrote:
Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.

Hey it's a foot in their door, what do you have to lose? It won't graduate but you'll build history with them. Dv

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 21:59:00 GMT

@AverageJoesCredit wrote:
Not sure if i recall correctly but USAA secure card doesnt graduate, TamDom08. Id rather go for a Discover secured if i was going secured route.

Hey Dv, looking at your cards , gotta say youve done a great job on diversification.

Thanks AJ, that means something coming from you. I wanted to do my rebuild right and have good cards that would grow with me. Dv

Re: Usaa old approval newly accepted.

Anonymous — Mon, 06 Nov 2017 21:59:30 GMT

@CreditMagic7 wrote:
Congratulaions!

Thank you. Dv

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:33:25 GMT

@Anonymous wrote:
@Anonymous wrote:
Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.
Hey it's a foot in their door, what do you have to lose? It won't graduate but you'll build history with them. Dv

^ Exactly this. My DW took on a $250 secured card with them about six months ago or so and last week was approved for their cashback rewards card with a $7k limit. A secured or low-limit card with them can definitely set you up for something better in the future.

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:33:51 GMT

Congrats!

Like you I app'd and was denied for the same card with USAA a little over a month ago. I was countered with a secured card, with annual fee's. I considered it to get my foot in the door with USAA for a minute but passed. I had other cards to build with and then a week later was approved for my 2nd QS with their bonus for a VISA this time with a $3,000 limit. I probably should've at least opened a savings account with them at that time but hopefully will receive an offer from USAA for the card I want.

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:42:46 GMT

@Anonymous wrote:
Congrats!

Like you I app'd and was denied for the same card with USAA a little over a month ago. I was countered with a secured card, with annual fee's. I considered it to get my foot in the door with USAA for a minute but passed. I had other cards to build with and then a week later was approved for my 2nd QS with their bonus for a VISA this time with a $3,000 limit. I probably should've at least opened a savings account with them at that time but hopefully will receive an offer from USAA for the card I want.

Thanks and I can see why you passed, I'm barely a step up with the 1k sl after just getting a 9.5k sl with Discover. But I decided to get my foot in the door because usaa is an excellent lender to have on your side. Dv

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:44:27 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.
Hey it's a foot in their door, what do you have to lose? It won't graduate but you'll build history with them. Dv
^ Exactly this. My DW took on a $250 secured card with them about six months ago or so and last week was approved for their cashback rewards card with a $7k limit. A secured or low-limit card with them can definitely set you up for something better in the future.

Did she app or did they send her the offer? Dv

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:55:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.
Hey it's a foot in their door, what do you have to lose? It won't graduate but you'll build history with them. Dv
^ Exactly this. My DW took on a $250 secured card with them about six months ago or so and last week was approved for their cashback rewards card with a $7k limit. A secured or low-limit card with them can definitely set you up for something better in the future.
Did she app or did they send her the offer? Dv

She applied. We were sporadically checking to see if she was getting any offers and there haven't been any. After talking about getting one for our fuel spend we figured that she had nothing to lose and if it was a low limit it would be fine because it would only be used for fuel anyways. Needless to say I was surprised to see her starting off with a limit higher than my Limitless, lol.

I just logged into her account to verify, it was actually a little over 8 months between her app for the secured Visa and the new Amex fwiw.

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 00:59:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congratulations! I was denied their card but they countered with their secured card so I'm debating on that.
Hey it's a foot in their door, what do you have to lose? It won't graduate but you'll build history with them. Dv
^ Exactly this. My DW took on a $250 secured card with them about six months ago or so and last week was approved for their cashback rewards card with a $7k limit. A secured or low-limit card with them can definitely set you up for something better in the future.
Did she app or did they send her the offer? Dv
She applied. We were sporadically checking to see if she was getting any offers and there haven't been any. After talking about getting one for our fuel spend we figured that she had nothing to lose and if it was a low limit it would be fine because it would only be used for fuel anyways. Needless to say I was surprised to see her starting off with a limit higher than my Limitless, lol.

I just logged into her account to verify, it was actually a little over 8 months between her app for the secured Visa and the new Amex fwiw.

That's great and thanks for checking for me. Dv

Re: Usaa old approval newly accepted.

K-in-Boston — Tue, 07 Nov 2017 01:08:07 GMT

@Anonymous congrats and I agree it was probably a good move on your part to swallow the pride and take the card. Everyone raves about USAA.

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 01:42:47 GMT

@K-in-Boston wrote:
@Anonymous congrats and I agree it was probably a good move on your part to swallow the pride and take the card. Everyone raves about USAA.

Thanks k in Boston, I agree I had another post asking questions on what I should do and the overall consensus was to snap up the card to get my foot in the door credit wise. So today I finally pulled the trigger and accepted. They are an excellent company and even better lender from what I hear. Dv

Re: Usaa old approval newly accepted.

Anonymous — Tue, 07 Nov 2017 03:15:27 GMT

Congratz on the Approval!

You can never go wrong with USAA!

I recently started fresh with no credit history. They are the only ones that have really believed in me despite my short history. It would be a huge plus if you lived in one of the states where the "Limitless" is offered. Sadly it's still not available in California.