topic Re: USAA pulls in Credit Card Applications

USAA pulls

Anonymous — Thu, 27 Sep 2018 18:31:06 GMT

Hello all,

I received a mailer from USAA inviting me to apply for their Amex card. I was just curious to see who they traditionally pull for CC apps. Nothing showed up in CreditPulls database for NC. Anyone have any input? Pondering apping for this card, as its 3x Dining, 2x Gas/Groceries, 1x All other.

Also, anyone have any opinions of this card vs the NFCU GoRewards or MoreRewards cards? I just need a good Gas/Dining card to round out my wallet, and have been eyeing these three for some time now!

Re: USAA pulls

FinStar — Thu, 27 Sep 2018 18:41:40 GMT

USAA generally pulls EQ.

Re: USAA pulls

Anonymous — Thu, 27 Sep 2018 18:45:04 GMT

@FinStar wrote:
USAA generally pulls EQ.

Confirm this (EQ pulls) for my USAA credit cards!

Re: USAA pulls

wingennis — Fri, 28 Sep 2018 02:15:53 GMT

In Arizona, USAA has always pulled my Experian.

Re: USAA pulls

AverageJoesCredit — Fri, 28 Sep 2018 02:29:54 GMT

They've always pulled my leg

Re: USAA pulls

Anonymous — Fri, 28 Sep 2018 08:49:17 GMT

Im NC, they pulled EQ in June 2017 for me.

Re: USAA pulls

Anonymous — Fri, 28 Sep 2018 15:03:51 GMT

@AverageJoesCredit wrote:
They've always pulled my leg

Hope they evenly pull between both... Or you will be walking with a limp to one side!

Re: USAA pulls

Anonymous — Fri, 28 Sep 2018 15:05:22 GMT

@Anonymous wrote:
Im NC, they pulled EQ in June 2017 for me.

Sounds like the majority of apps have pulled EQ, with a few exceptions. I would assume they still pull EQ here in NC, as I asked my brother-in-law about his USAA Rate Adv card and he said in NC they pulled EQ as well.

Re: USAA pulls

Anonymous — Fri, 28 Sep 2018 21:37:02 GMT

Thanks y'all for the replies. One more question. For those of you that are both USAA and NFCU, how do you compare the USAA Rewards Amex to the NFCU More Rewards/GoRewards card? Either better than the other? They all have the same 3x Dining/2x Gas/etc. Only difference I noticed was the APR ranges. USAA states 11.65% - 27.65% compared to NFCU's 11.40% - 18.00%. I don't plan to carry a large balance, but that possible 9% difference is quite a bit!

Re: USAA pulls

UncleB — Sat, 29 Sep 2018 10:04:24 GMT

@Anonymous wrote:
Thanks y'all for the replies. One more question. For those of you that are both USAA and NFCU, how do you compare the USAA Rewards Amex to the NFCU More Rewards/GoRewards card? Either better than the other? They all have the same 3x Dining/2x Gas/etc. Only difference I noticed was the APR ranges. USAA states 11.65% - 27.65% compared to NFCU's 11.40% - 18.00%. I don't plan to carry a large balance, but that possible 9% difference is quite a bit!

I don't have the USAA or NFCU Amex, but I do have two accounts with each of them so I might be able to help somewhat.

With USAA they practically never lower your APR; what you get at approval is what you're stuck with. On the other hand, after a year NFCU will often lower your APR upon request if your profile warrants it. This might not be a concern with you (and most people - including me - discourage carrying a balance on a rewards card anyway) but it's a notable difference.

With my two USAA cards, I can redeem rewards anytime in nearly any amount; IIRC I think there's a $1 minimum. With the NFCU Amex, the minimum redemption is $50. This might or might not matter to you, but it's something to keep in mind.

Finally, for many people NFCU is more generous on the initial credit line, although for the right profile USAA isn't necessarily 'stingy'; I'll also add that when I was rebuilding USAA gave me my first 'big boy' credit line when everybody else gave me toy limits. Also, USAA is always a HP for CLI requests, while NFCU is YMMV... after a bi-monthly account review (AR) some people are able to get a CLI with NFCU with no further HP.

I hope this helps, and good luck whatever you decide!

Side note: USAA will also give you no-fee cash advances (at your purchase APR) into a USAA checking account, and you can link your USAA credit card to your USAA checking account for no-fee overdraft protection as well. At NFCU, your no-fee OD options are limited to a linked savings account or a CLOC.

Re: USAA pulls

AverageJoesCredit — Sat, 29 Sep 2018 16:45:05 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
They've always pulled my leg
Hope they evenly pull between both... Or you will be walking with a limp to one side!

Could be worse, always something else they could pull but then i might actually NEED their insurance😏

Re: USAA pulls

Anonymous — Mon, 01 Oct 2018 04:22:27 GMT

All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.

Re: USAA pulls

FinStar — Mon, 01 Oct 2018 15:12:55 GMT

@Anonymous wrote:
All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.

This is actually not accurate @Anonymous.

USAA still pulls EQ for a variety of their products including CCs. As other have reported EX is also used depending on location or as an alternate bureau.

Re: USAA pulls

Cherekas — Tue, 02 Oct 2018 16:19:40 GMT

@FinStar wrote:
@Anonymous wrote:
All - USAA stopped pulling EQ sometime last year. They pull EX now. They used to always pull EQ.
This is actually not accurate @Anonymous.

USAA still pulls EQ for a variety of their products including CCs. As other have reported EX is also used depending on location or as an alternate bureau.

I received the USAA Amex rewards Sept 2017 they pulled EX and last month they pulled EX for the USAA rate advantage visa.

Re: USAA pulls

KELSTAR — Wed, 03 Oct 2018 00:23:02 GMT

@Anonymous wrote:
Hello all,
I received a mailer from USAA inviting me to apply for their Amex card. I was just curious to see who they traditionally pull for CC apps. Nothing showed up in CreditPulls database for NC. Anyone have any input? Pondering apping for this card, as its 3x Dining, 2x Gas/Groceries, 1x All other.
Also, anyone have any opinions of this card vs the NFCU GoRewards or MoreRewards cards? I just need a good Gas/Dining card to round out my wallet, and have been eyeing these three for some time now!

IME if you make multiple calls(not relying on one branch as an example) to the financial institution and ask them who they pull from, you'll get a consensus.

Re: USAA pulls

Anonymous — Wed, 03 Oct 2018 14:05:27 GMT

They did end up pulling EX.

Re: USAA pulls

FinStar — Wed, 03 Oct 2018 17:21:03 GMT

Did you get approved OP?

Re: USAA pulls

Anonymous — Wed, 03 Oct 2018 19:17:04 GMT

@FinStar wrote:
Did you get approved OP?

Nope. USAA has never liked me enough.. ha ha. Always resort to offering a secured.

Re: USAA pulls

Anonymous — Thu, 04 Oct 2018 17:44:50 GMT

Hope this helps! Just applied and I'm in NC.... Info below.

USAA (Applied Online)

Product Application: (2) Credit Cards + PLOC $15k

Result: First Card approved $5k limit(Preferred Cash Rewards® Visa). 2nd Card it would not let me apply (Amex) (says my limit reached). PLOC Declined.

Bureau Pulled: HP Experian (Twice: 1 for CC + 1 for PLOC)

Note: I called the 800 # after I couldn’t apply for the 2nd CC online, the rep stated it was because I already applied for one and the 2nd card application would result in another hard pull. I didn’t want a 3rd pull, so I didn’t move forward.

My Location: North Carolina

Application Date: 10/3/2018

My Stats

Equifax:

Score: 642

Inquiries: 7

AAoA: 5yrs, 3months

Utilization: 61%

Experian:

Score: 686

Inquiries: 5

AAoA: 5yrs, 2months

Utilization: 31%

TransUnion:

Score: 678

Inquiries: 6

AAoA: 5yrs, 2months

Utilization: 29%

Across all three bureaus:

Oldest Acct Age: 12 Years

Highest Limit card: $20k | NavyFed | 61% individual utilization | 8 Months Old

Derogatory: None

Late Payments: None

Re: USAA pulls

Anonymous — Fri, 14 Dec 2018 03:02:12 GMT

I have a 716 and recieved a offer. They pulled a EX yesterday and I was approved 10k. I have 1 17k charge off from 6 years ago.