topic Re: USAA Credit Card questions in Credit Cards

USAA Credit Card questions

Creditaddict — Wed, 03 Feb 2010 22:02:31 GMT

The Rep told me they pull all 3 for credit card application?? I don't think I had heard that before, is she wrong?

Are they BK Friendly?

What score required?

Re: USAA Credit Card questions

Anonymous — Wed, 03 Feb 2010 22:10:04 GMT

I apped for the regular card, and they pulled all 3. After I was denied she said that they have a min score of 650, but they take other issues into account. The CSR told me that they are not BK friendly, but will listen to recon. I am not sure if the secured card is BK friendly or not.

Re: USAA Credit Card questions

Anonymous — Wed, 03 Feb 2010 22:13:56 GMT

I guess I had a different more pleasant experience..haha I applied in Jan 2010 and was approved for the USAA MC with a Bk 2004. For me they only pulled EQ not all 3.

Re: USAA Credit Card questions

Creditaddict — Wed, 03 Feb 2010 22:22:21 GMT

then I will wait for my score to be much higher and bk be older

Re: USAA Credit Card questions

Lyythine — Thu, 04 Feb 2010 04:31:51 GMT

I dont think thats correct. At least for full members... ive apped for several products and ONLY equifax was pulled.

Re: USAA Credit Card questions

Anonymous — Thu, 04 Feb 2010 14:09:36 GMT

Full members do get preferential treatment with lower APR's, more products and the membership and depth of relationship are large parts of the decision.

I app'ed 2 cc's, first MC and then AMEX. They pulled only EQ for the MC. No new pull on AMEX (applied within minutes of each other).

Possibly on lite-members they pull all three and are more conservative in nature?

Re: USAA Credit Card questions

Anonymous — Thu, 04 Feb 2010 14:49:31 GMT

I am a full member, and pulled out my report to make sure I was not speaking untrue. I have pulls on all three bureaus from USAA for when I apped. I have been a member of USAA for 9 years. But my credit blows, so maybe they were just hunting for something good to base a decision on. lol

Re: USAA Credit Card questions

Anonymous — Thu, 04 Feb 2010 14:53:45 GMT

Got the MC and the AMEX and they only pulled once on EQ for both cards. Full member. Credit scores were

in 710 - 730 range at time of app.

Re: USAA Credit Card questions

tiger67 — Fri, 05 Feb 2010 01:04:45 GMT

Limited member. They only pulled EQ for me, approved for $15,000 MC with EQ 740.

Re: USAA Credit Card questions

haulingthescoreup — Fri, 05 Feb 2010 01:37:52 GMT

What often happens with all lenders is that they pull the usual report, get a bit scared and then pull another or both.

Not surprising, if you think about it. If your daughter (sister, mother) brings home a new date, and the only info you have on him is a bit spooky, wouldn't you keep looking?

Re: USAA Credit Card questions

Anonymous — Fri, 05 Feb 2010 02:56:24 GMT

@haulingthescoreup wrote:
What often happens with all lenders is that they pull the usual report, get a bit scared and then pull another or both.

Not surprising, if you think about it. If your daughter (sister, mother) brings home a new date, and the only info you have on him is a bit spooky, wouldn't you keep looking?

Yeah, for my freaking gun.

Seriously, USAA has only pulled EQ on me on everything from CCs to car loans. Never tried their mortgage products, though, but I'm pretty sure they'd have to pull all three for that.