topic Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :) in Credit Card Approvals

OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

pizza1 — Sun, 13 Jan 2019 01:24:23 GMT

Call in luck, divine intervention, whatever you want...but, OMG, Im back in with them!!! (another one scratched off my list)

So, yes, my garden stent was a little shortened, but better than usual, LOL. Every time Ive applied in the past, (yes I know their BK policy, but that usually never stops me from continuing to try), Ive always applied for the card I wanted, and immediately get denied but counter offered their secure card, which I deny. Their policy is if you IIB them, 7 yrs from DC date before they let you have unsecured credit again.

Well, currently they are re-vamping their secured card, and its not even available to apply for, so I started thinking....mmmm, wonder if I apply, and they usually counter the secured, what would happen. So I did...INSTANT APPROVAL!! I was floored! I have no idea why I was approved this time, and earlier than expected, but I have an idea it may have to do with my EX report getting a little better. Last month score was 662 and I still had 6 negative accts, (IIB) showing. This month, I got EE and all 6 were deleted and score jumped to 687, so the only negative showing on that report is my BK in PR, which stays on for 4 more years.

Needless to say, Im very happy and they will be treated well this time around

STATS:

~CO for $7k in 2012, that was IIB in a BK7 2013

~pulled EX- 687

~Overal Util reporting- 1%

~No negative accts, all positive, except BK in PR

~INQ at least 60-80, I have no idea actually, lol

~Been with them since 1991, have car/rental/etc.. and savings.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Cred4All — Sun, 13 Jan 2019 01:25:44 GMT

That's an awesome approval, congrats on the success pizza1!!! Good improvement profile wise also!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 01:41:38 GMT

Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Gmood1 — Sun, 13 Jan 2019 01:46:35 GMT

Pizza! Pizza! You've been on a roll lately! What gardening? I couldn't tell.😂

Congrats on the USAA win! One of the best lenders out there IMHO.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Jnbmom — Sun, 13 Jan 2019 01:47:51 GMT

Congrats that is awesome!!!!!!!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 01:49:05 GMT

Congratulations!

I need to get on my dad to get insurance with USAA so I can get a credit card 🤣

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

padme — Sun, 13 Jan 2019 01:51:50 GMT

congrats, youve come so far.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 01:51:56 GMT

CONGRATU-FREAKING-LATIONS Pizza!!!! I just got in with USAA and I'm loving them!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

tussking — Sun, 13 Jan 2019 01:56:55 GMT

Congrats and amazing! Do you think they've changed approval guidelines for 2019? Also how do you get any approvals with 60-80 inq's?

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

pizza1 — Sun, 13 Jan 2019 02:07:48 GMT

@tussking wrote:
Congrats and amazing! Do you think they've changed approval guidelines for 2019? Also how do you get any approvals with 60-80 inq's?

Idk..just lucky I guess...and I have a really thick credit report, with virutally no utilzation. Its possible they might be opening doors up to folks who burned them in the past, could be a YMMV situation. Who knows!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 02:39:43 GMT

@Anonymous wrote:
Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.

You would qualify for membership since your mother served. My wife was able to join because of her dad. We IIB’d them 9/12, so the full 7 years is coming up this year. I still have some work to get my EX scores up to where pizza’s are...

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 02:49:33 GMT

hooray Pizza1!!!!!! So very happy for you!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 02:50:43 GMT

Thanks Scooter. I've been looking for the answer for quite some time.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

19eighty5 — Sun, 13 Jan 2019 03:00:02 GMT

Congratulations on your approval!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Remedios — Sun, 13 Jan 2019 03:18:41 GMT

Congrats!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 04:17:19 GMT

@Anonymous wrote:
@Anonymous wrote:
Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.
You would qualify for membership since your mother served. My wife was able to join because of her dad. We IIB’d them 9/12, so the full 7 years is coming up this year. I still have some work to get my EX scores up to where pizza’s are...

Sorry for the derail pizza but I thought that they had to have been a USAA member AND purchased insurance them to be able to sponsor other members? Being family is enough for NFCU but USAA is a lot stricter.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

pizza1 — Sun, 13 Jan 2019 04:44:50 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.
You would qualify for membership since your mother served. My wife was able to join because of her dad. We IIB’d them 9/12, so the full 7 years is coming up this year. I still have some work to get my EX scores up to where pizza’s are...
Sorry for the derail pizza but I thought that they had to have been a USAA member AND purchased insurance them to be able to sponsor other members? Being family is enough for NFCU but USAA is a lot stricter.

@Anonymous, hopefully this clears up any confusion My Dad is retired Military, so Im eligible for everything, a full member, and have been since I joined years ago.

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Pikaboo-icu — Sun, 13 Jan 2019 04:50:51 GMT

Congrats Pizza!!

I love USAA!!! Good for you!!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 04:54:28 GMT

@pizza1 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.
You would qualify for membership since your mother served. My wife was able to join because of her dad. We IIB’d them 9/12, so the full 7 years is coming up this year. I still have some work to get my EX scores up to where pizza’s are...
Sorry for the derail pizza but I thought that they had to have been a USAA member AND purchased insurance them to be able to sponsor other members? Being family is enough for NFCU but USAA is a lot stricter.
@Anonymous, hopefully this clears up any confusion My Dad is retired Military, so Im eligible for everything, a full member, and have been since I joined years ago.

Actually USAA seems to be incredibly confusing. My father is former Air Force (honorable discharge) but for me to be eligible now, he would have to have been a USAA member and purchased insurance from them to be able to sponsor me as a member. It seems they change their field of membership every now and then and they tightened it up now. I wasn't calling your eligibility into question, I was asking if Scooter was sure that a parent serving was enough as the most recent data I found said that the eligible parent had to be a member who purchased insurance.

Anyway, sorry for the derail, congrats again!

Re: OMG! Back in w/ USAA 5 1/2yrs post BK/DC :)

Anonymous — Sun, 13 Jan 2019 12:50:12 GMT

pizza1 you are on a very solid HOT streak! Impressive to say the least ... got'ta be a good feeling knowing you can ignore the "bottom feeders" now