topic Re: USAA Post-Chapter 13 Credit Card Approval Data Point in Bankruptcy

USAA Post-Chapter 13 Credit Card Approval Data Point

Subie — Thu, 15 Aug 2024 15:50:04 GMT

Hello! My Chapter 13 was closed July 3; I began my rebuild in earnest with the following:

Cap One Quicksilver: $3k SL

Mission Lane: $2k SL

Ally Unlimited Cash Rewards: $1k SL

Ashley: $5k SL

Ikea: $7,2k SL

I have been a member of USAA off-on since the '90s, but only have insurance and a small bank account account there (l have about $20 in my checking account small-we bank at Chase and a local CU for everything else). Anyhow, I saw that USAA pulls Experian 3 bank card-after checking that score (668) I went ahead and applied and was approved for a $5k SL.

I hope this helps anyone considering them post BK! I am going to hold off on anymore applications but I will say to anyone else rebuilding: check preapprovals when available before applications- it saved me several hard pulls. Oh, lastly, I did not burn them in BK (sorry PenFed....) but I did have an auto repossession about 15 years go thanks to my ex.

Re: USAA Post-Chapter 13 Credit Card Approval Data Point

MissLiz — Thu, 15 Aug 2024 15:57:48 GMT

Congratulations on your USAA approval!

Re: USAA Post-Chapter 13 Credit Card Approval Data Point

keekers — Thu, 15 Aug 2024 19:09:20 GMT

Congrats.

Re: USAA Post-Chapter 13 Credit Card Approval Data Point

pizzadude — Thu, 15 Aug 2024 20:53:07 GMT

Very nicely done, that's a great set of cards & CLs for being just out of BK

Re: USAA Post-Chapter 13 Credit Card Approval Data Point

finallyfree — Fri, 16 Aug 2024 22:49:01 GMT

Congratulations on the new approval! Best wishes on your credit-building journey!

Re: USAA Post-Chapter 13 Credit Card Approval Data Point

Backwoods — Sat, 17 Aug 2024 17:12:14 GMT

Super congrats