topic Re: USAA CC's in Credit Cards

USAA CC's

Anonymous — Mon, 24 Oct 2011 15:15:20 GMT

Does anyone know what CA USAA pulls from for their cc approvals? I started banking with them last month and I noticed they did a soft pull of my EX but I hear they pull from EQ...just want to make sure.

Thanks!

Re: USAA CC's

gijoe4500 — Mon, 24 Oct 2011 15:20:24 GMT

They pulled Equifax for me. And I don't know if location matters, but if it does, I'm in Texas.

Re: USAA CC's

Anonymous — Mon, 24 Oct 2011 15:26:33 GMT

were you approved? I mean, with your current scores? Im scared to apply and get denied and waste an inquiry...

@gijoe4500 wrote:
They pulled Equifax for me. And I don't know if location matters, but if it does, I'm in Texas.

Re: USAA CC's

Itsmeagain — Mon, 24 Oct 2011 15:28:11 GMT

They pulled Equifax for my credit card app. I am in Georgia.

Re: USAA CC's

gijoe4500 — Mon, 24 Oct 2011 15:36:19 GMT

I was not approved. Often times, if not approved, they will offer you a secured card instead. I didn't even get that offer, because I have some old charge offs still on my credit report.

Re: USAA CC's

CreditCrusader — Mon, 24 Oct 2011 15:43:22 GMT

@gijoe4500 wrote:
I was not approved. Often times, if not approved, they will offer you a secured card instead. I didn't even get that offer, because I have some old charge offs still on my credit report.

I know FICO scores are no guarantee for approval, but I'd love to know what scores are necessary to get a foot in the door with USAA Mastercard. I just moved my checking and savings accounts to USAA and should be knocking on the door to 700 in the months to follow.

Re: USAA CC's

gijoe4500 — Mon, 24 Oct 2011 16:05:12 GMT

The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent. It was specifically the old charge-offs that I had that were getting me. DOFD on the COs were 11/2005.

Re: USAA CC's

Anonymous — Mon, 24 Oct 2011 16:25:06 GMT

@gijoe4500 wrote:
The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent. It was specifically the old charge-offs that I had that were getting me. DOFD on the COs were 11/2005.

oh ok. Just want to make sure and hopefully only pull EQ

Re: USAA CC's

Anonymous — Mon, 24 Oct 2011 16:26:20 GMT

@Anonymous wrote:
@gijoe4500 wrote:
The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent. It was specifically the old charge-offs that I had that were getting me. DOFD on the COs were 11/2005.

oh ok. Just want to make sure and hopefully only pull EQ
since they did a soft pull on my EX when I opened my accounts with them

Re: USAA CC's

CS800 — Mon, 24 Oct 2011 17:34:37 GMT

@gijoe4500 wrote:
The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent. It was specifically the old charge-offs that I had that were getting me. DOFD on the COs were 11/2005.

Are the CO PIF?

Does it matter if they are paid?

Re: USAA CC's

gijoe4500 — Mon, 24 Oct 2011 19:56:10 GMT

@CS800 wrote:
@gijoe4500 wrote:
The person I talked to on the phone told me my scores themselves were high enough, and my recent credit history was excellent. It was specifically the old charge-offs that I had that were getting me. DOFD on the COs were 11/2005.
Are the CO PIF?

Does it matter if they are paid?

No, they are not PIF. I'm not sure if that would matter or not.

Re: USAA CC's

suebee123 — Thu, 05 Jan 2012 20:59:26 GMT

I opened a savings and life insurance with USAA in December to specifically apply for their Mastercard in 6 months. Well, today I get a call from customer service wanting to welcome me to USAA and go over some additional products I may be interested in. Long story short, I told her I eventually wanted to apply for a mastercard with them. She said she would take the application over the phone, I said "OK" what the hell, another inquiry and a decline coming my way. To my shock and surprise I was approved for the World mastercard with a 4000 limit and APR of 16.9%. Couldn't believe it. I only had 500 in savings with them at the time. Anyways I was so happy also opened a checking...LOL. Like them so far, my scores are 677 EQ Fico, 685 EX (amex website) and transunion FICO is 650. Not that great...I reported 70,000 annual income and have 4 badies over 2 years old. I am a full memeber though, and maybe that helps?

Re: USAA CC's

RockinRay — Thu, 05 Jan 2012 21:35:20 GMT

@suebee123 wrote:
I opened a savings and life insurance with USAA in December to specifically apply for their Mastercard in 6 months. Well, today I get a call from customer service wanting to welcome me to USAA and go over some additional products I may be interested in. Long story short, I told her I eventually wanted to apply for a mastercard with them. She said she would take the application over the phone, I said "OK" what the hell, another inquiry and a decline coming my way. To my shock and surprise I was approved for the World mastercard with a 4000 limit and APR of 16.9%. Couldn't believe it. I only had 500 in savings with them at the time. Anyways I was so happy also opened a checking...LOL. Like them so far, my scores are 677 EQ Fico, 685 EX (amex website) and transunion FICO is 650. Not that great...I reported 70,000 annual income and have 4 badies over 2 years old. I am a full memeber though, and maybe that helps?

USAA is great - best bank out there. They take very good care of their members and they will grow with you.

I have been a Full Member since 1983.

Ray

Re: USAA CC's

zoe15 — Thu, 05 Jan 2012 21:44:09 GMT

USAA has always pulled Equifax for me (for CC's and an auto loan). They're a great bank to work with.

Re: USAA CC's

Anonymous — Thu, 05 Jan 2012 22:00:53 GMT

Great customer service and the website keeps improving, too!

Re: USAA CC's

CS800 — Thu, 05 Jan 2012 22:06:03 GMT

Easily top 3 banks out there in my opinion. World class customer service.

Re: USAA CC's

quest208 — Fri, 06 Jan 2012 02:03:14 GMT

i am a proud USAA member, limited member, but member nonetheless