topic Re: How is USAA about inquiries? in Credit Cards

How is USAA about inquiries?

Anonymous — Wed, 18 Jan 2012 21:15:18 GMT

Are they anal about inquiries? Has anyone been approved by them with a lot of inquiries?

Re: How is USAA about inquiries?

learnin113 — Wed, 18 Jan 2012 21:20:41 GMT

@Anonymous wrote:
Are they anal about inquiries? Has anyone been approved by them with a lot of inquiries?

Very

Re: How is USAA about inquiries?

Ron1 — Wed, 18 Jan 2012 21:21:31 GMT

I was denied for USAA Platinum MC by a lot of inquiries and 10% util. I applied on the phone and my score was under 700 three years ago.

Ron.

Re: How is USAA about inquiries?

learnin113 — Wed, 18 Jan 2012 21:24:29 GMT

CSR told me herself, that if it weren't for the inquiries, I would be approved. Told me to try again in 6 months..

Re: How is USAA about inquiries?

Anonymous — Wed, 18 Jan 2012 21:58:51 GMT

+1 very anal on inqs lol

Re: How is USAA about inquiries?

suebee123 — Wed, 18 Jan 2012 22:01:53 GMT

What do you consider alot of inquiries? I had 6 on equifax when I applied and was approved this month. I had 6 on EX and TU also, but I think they only looked at EQ.

Re: How is USAA about inquiries?

Datx — Wed, 18 Jan 2012 22:08:07 GMT

@suebee123 wrote:
What do you consider alot of inquiries? I had 6 on equifax when I applied and was approved this month. I had 6 on EX and TU also, but I think they only looked at EQ.

The thing about USAA, is if you're a full member, then lending standards are a bit more lenient compared to a partial member. So with 6 inquiries, you may get approved, whereas a partial member could be declined. Were those 6 inquiries fairly new?

Re: How is USAA about inquiries?

castlefox — Wed, 18 Jan 2012 22:10:03 GMT

learnin113- How many inquiries did you have in the last 12 months when you applied?

Re: How is USAA about inquiries?

suebee123 — Wed, 18 Jan 2012 22:24:31 GMT

Yes, I am a full member, so that may have been the difference. I had 6 inq in the last 4 months. Before that I hadn't app'd for anything in 3 years.

Re: How is USAA about inquiries?

quest208 — Thu, 19 Jan 2012 00:43:08 GMT

@Anonymous wrote:
Are they anal about inquiries? Has anyone been approved by them with a lot of inquiries?

how many do you have on equifax?

how many on ex and tu?

Re: How is USAA about inquiries?

CS800 — Thu, 19 Jan 2012 00:49:36 GMT

@Anonymous wrote:
+1 very anal on inqs lol

I wasnt denied but they told me i had too many inq on my EQ...I only have 4 out of which 2 have passed the 12 months time.

Re: How is USAA about inquiries?

namvet — Thu, 19 Jan 2012 02:35:04 GMT

@suebee123 wrote:
What do you consider alot of inquiries? This can vary among lenders however, if one was to only apply for credit once during a 6 month period then this question would never be a issue! Always let inquires and new credit age before apping for credit.

Re: How is USAA about inquiries?

Anonymous — Thu, 19 Jan 2012 10:03:12 GMT

@namvet wrote:
@suebee123 wrote:
What do you consider alot of inquiries? This can vary among lenders however, if one was to only apply for credit once during a 6 month period then this question would never be a issue! Always let inquires and new credit age before apping for credit.

It's hard for us credit savvy people