topic Re: USAA AMEX Approved!! in Credit Cards

USAA AMEX Approved!!

corymcd88 — Fri, 16 Mar 2012 20:04:06 GMT

USAA gave me a pre approvel for an AMEX card and 12 Mounts ID Theft protection for 6.99!!! The gave me 250 CL small but it will grow with me!!! I cancled my truecredit and went with them, better deal. I can refresh all three credit scores every 24H.Im trying to close old, no good credit card. Let me know what I should do.

Re: USAA AMEX Approved!!

trumpet-205 — Fri, 16 Mar 2012 20:07:05 GMT

Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.

Re: USAA AMEX Approved!!

corymcd88 — Fri, 16 Mar 2012 20:17:03 GMT

@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.

My AAoA is 3.5 years.

Re: USAA AMEX Approved!!

Ron1 — Fri, 16 Mar 2012 20:17:50 GMT

Congrats!!!

Ron.

Re: USAA AMEX Approved!!

LS2982 — Fri, 16 Mar 2012 20:19:33 GMT

@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.

Re: USAA AMEX Approved!!

Anonymous — Fri, 16 Mar 2012 20:40:22 GMT

Congratulations! I hope they give you CLI increases soon. After reading the forums obsessively, I agree that closing the account isn't going to help you because it will just lower your average age of accounts. If it doesn't offer you the benefits you need, just leave it in a drawer and let it work for you rather than against you.

Re: USAA AMEX Approved!!

corymcd88 — Fri, 16 Mar 2012 21:28:56 GMT

Who does USAA report to? All three or just one.

Re: USAA AMEX Approved!!

Ron1 — Fri, 16 Mar 2012 21:32:04 GMT

@corymcd88 wrote:
Who does USAA report to? All three or just one.

All three.

Ron.

Re: USAA AMEX Approved!!

corymcd88 — Fri, 16 Mar 2012 21:52:43 GMT

@Ron1 wrote:
@corymcd88 wrote:
Who does USAA report to? All three or just one.
All three.

Ron.

Thanks, Ron. They told me only one, EX.

Re: USAA AMEX Approved!!

Ron1 — Fri, 16 Mar 2012 22:01:44 GMT

@corymcd88 wrote:
@Ron1 wrote:
@corymcd88 wrote:
Who does USAA report to? All three or just one.
All three.

Ron.
Thanks, Ron. They told me only one, EX.

No, they reported to all three.

Ron.

Re: USAA AMEX Approved!!

NikJ4 — Sat, 17 Mar 2012 01:44:51 GMT

@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.

What is your credt score with eq?

Re: USAA AMEX Approved!!

corymcd88 — Sat, 17 Mar 2012 02:26:39 GMT

@NikJ4 wrote:
@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.
What is your credt score with eq?

EQ- 680, EX- 705, TU-692

Re: USAA AMEX Approved!!

Repo-ed — Sat, 17 Mar 2012 02:34:50 GMT

@corymcd88 wrote:
@NikJ4 wrote:
@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.
What is your credt score with eq?
EQ- 680, EX- 705, TU-692

FAKO or FICO scores? That low of a CL w/ 700 scores?! Am I missing something?

Re: USAA AMEX Approved!!

corymcd88 — Sat, 17 Mar 2012 02:51:01 GMT

@Repo-ed wrote:
@corymcd88 wrote:
@NikJ4 wrote:
@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.
What is your credt score with eq?
EQ- 680, EX- 705, TU-692
FAKO or FICO scores? That low of a CL w/ 700 scores?! Am I missing something?

They said because of a lot of credit extened to me in the past.

Re: USAA AMEX Approved!!

Ron1 — Sat, 17 Mar 2012 03:21:39 GMT

@corymcd88 wrote:
@Repo-ed wrote:
@corymcd88 wrote:
@NikJ4 wrote:
@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.
What is your credt score with eq?
EQ- 680, EX- 705, TU-692
FAKO or FICO scores? That low of a CL w/ 700 scores?! Am I missing something?
They said because of a lot of credit extened to me in the past.

Did you have any credit account with USAA in the past? What is the APR?

Ron.

Re: USAA AMEX Approved!!

FicoTron — Sat, 17 Mar 2012 03:44:37 GMT

You have too many toys...time to fill up a box and donate them to goodwill.

Re: USAA AMEX Approved!!

clocktick — Sat, 17 Mar 2012 03:44:42 GMT

@Anonymous wrote:
Congratulations! I hope they give you CLI increases soon. After reading the forums obsessively, I agree that closing the account isn't going to help you because it will just lower your average age of accounts. If it doesn't offer you the benefits you need, just leave it in a drawer and let it work for you rather than against you.

Not true as those closed accounts should stay on your CRs for about 10 years.

Annual fee or not, if you don't want a card anymore I would toss it (I tend to be in the minority with that viewpoint on here). I believe in downsizing.

Re: USAA AMEX Approved!!

LS2982 — Sat, 17 Mar 2012 13:00:33 GMT

@FicoTron wrote:
You have too many toys...time to fill up a box and donate them to goodwill.

Re: USAA AMEX Approved!!

corymcd88 — Sat, 17 Mar 2012 14:59:57 GMT

@Ron1 wrote:
@corymcd88 wrote:
@Repo-ed wrote:
@corymcd88 wrote:
@NikJ4 wrote:
@corymcd88 wrote:
@trumpet-205 wrote:
Congrats. You need to stop applying for more credit. I imagine one reason why lenders issued low CL to you is because of low AAoA. Don't close any account unless it is charging AF.
My AAoA is 3.5 years.
What is your credt score with eq?
EQ- 680, EX- 705, TU-692
FAKO or FICO scores? That low of a CL w/ 700 scores?! Am I missing something?
They said because of a lot of credit extened to me in the past.
Did you have any credit account with USAA in the past? What is the APR?

Ron.

No, credit card with USAA? APR - 9.99.

Re: USAA AMEX Approved!!

corymcd88 — Sun, 18 Mar 2012 00:51:36 GMT

USAA said now that I can't get the card because im not a full member. They said they have a lot of system issures and sometime the system let you apply when you should not let you. They should let me keep the card!!!