topic Re: USAA says card application was approved...but problem in Credit Cards

USAA says app was approved...but (UPDATE)

GeneralCucumbre — Sat, 02 Jun 2012 19:30:30 GMT

So, I decided to join USAA (grandfather was military). I applied for their lowest rate card (no rewards, no bells and whistles, just a plain credit card with the lowest APR). I believe it is called the USAA Rate Advantage MasterCard. I understand that USAA tends to look at Equifax reports so I just recently checked my score two days ago at Equifax and it is 711. I also have 3 inquiries on my Equifax report in the last couple of months. Anyway...I decided to proceed through the process and after hitting submit the page took a little while to load (I guess to come up with a decision). After about maybe 30 seconds, I get a page that says...

"WE ARE UNABLE TO COMPLETE YOUR REQUEST"

We're sorry, but the usaa.com page or activity you requested is temporarily unavailable.
We apologize for any inconvenience. Please try again later.

Click on your back button to return to the previous page.

So I figured that the application didn't go through, no problem...I will just try later. Then I go back to my main page to find a message waiting for me. The message is entitled "Your credit card application has been approved." And next to that title, it has a link to view details and everytime I click on it it gives me that same page. So I decided to call USAA directly to see if anyone knew what was going on. I spoke to a nice young man who said that they are having trouble with their credit card system. I asked him if he had any additional info on the application but all he told my that the application has been "DECISIONED". What does that mean?!? Is that bad?!?!? He then told me that it has probably been sent to underwriting and to call back tomorrow to see if anything changes.

Has anybody ever experienced this before?

EDIT: I should also let ya'll know that I did have a pre-approved offer for a credit card for up to $25,000...but it wasn't the card that I applied for. The card I was offered was the USAA Cash Rewards World MasterCard at a pre-approved APR of 13.9%. I decided not to apply for that one because I wanted just a plain ole' credit card with a low APR...I don't need anything else with rewards.

Re: USAA says card application was approved...but problem

Anonymous — Thu, 31 May 2012 23:48:11 GMT

Decisioned means that they either approved or declined the application. If your application is approved, you should be able to see it listed with your other accounts. Also, check your messages, they may have information there as well. All of my apps with USAA has been instant approvals.

Re: USAA says card application was approved...but problem

GeneralCucumbre — Fri, 01 Jun 2012 00:01:30 GMT

Well...according to the message I received, it says that I was approved. I just cannot see any details.

Re: USAA says card application was approved...but problem

bichonmom — Fri, 01 Jun 2012 01:06:26 GMT

If you got a message saying you were approved, then it sounds like you were. When they denied me last year, the message in my USAA inbox (online) said it had been declined and stated the reasons. It's the same letter they send out when you're denied. I sincerely doubt their system would say you were approved if you weren't.

Re: USAA says card application was approved...but problem

namvet — Fri, 01 Jun 2012 01:42:05 GMT

@bichonmom wrote:
If you got a message saying you were approved, then it sounds like you were. When they denied me last year, the message in my USAA inbox (online) said it had been declined and stated the reasons. It's the same letter they send out when you're denied. I sincerely doubt their system would say you were approved if you weren't.
+1

Re: USAA says card application was approved...but problem

Anonymous — Fri, 01 Jun 2012 06:37:56 GMT

USAA is upgrading their systems this weekend they may have started early because I got the same message but they should be back up with everything updated by Monday

Re: USAA says card application was approved...but problem

GeneralCucumbre — Fri, 01 Jun 2012 18:49:36 GMT

@Anonymous wrote:
USAA is upgrading their systems this weekend they may have started early because I got the same message but they should be back up with everything updated by Monday

I called again today and they are still showing that my application was "DECISIONED". Again, I have a message in my account profile that says I was approved...but I cannot view any details (credit line, APR, etc). I also checked my Equifax report and there were no inquiries on file from USAA. Did it even go through? So you also have a message in your profile that says you were approved but you can't see any details? Interesting...

Re: USAA says card application was approved...but problem

Anonymous — Fri, 01 Jun 2012 18:53:15 GMT

I applied last night, got the approval message for both cards and CAN see all the details. I have account numbers, ex. dates, security codes and all. That is definitely strange.

Inquiry not showing yet.

Re: USAA says card application was approved...but problem

GeneralCucumbre — Fri, 01 Jun 2012 19:21:12 GMT

@Anonymous wrote:
I applied last night, got the approval message for both cards and CAN see all the details. I have account numbers, ex. dates, security codes and all. That is definitely strange.

Inquiry not showing yet.

Strange indeed. The guy I spoke to today told me that they are still having troubles and glitches with their system and he told me that I was the fourth or fifth person today that called them inquiring about an application that seemed to have gone haywire. He told me that if I saw that I was approved on my end, that it must be a good thing...but he cannot see anything else other than "DECISIONED". I am going to wait out the weekend to let them patch their system (as somebody else said they are working on it this weekend) and I will see if anything changes on Monday...and if not I'll give them a call. I would put in another application but I do not want to have a risk of two inquiries placed on my credit file. The way I see it, something is already screwed up...best just leave it alone and not screw it up any further.

If anybody else has any other similar experiences (or success)...please share.

Re: USAA says card application was approved...but problem

Anonymous — Fri, 01 Jun 2012 19:26:39 GMT

Yeah, I don't think another app is necessary. They obviously have received something. Perhaps the issue is just affecting a certain part of the country?? Good luck to you though, for now, I'd just feel "approved."

Re: USAA says card application was approved...but problem

GeneralCucumbre — Sat, 02 Jun 2012 19:41:24 GMT

UPDATE: 6/2/2012

So I just got off of a 45 minute phone call with USAA, I got disconnected once and had to call back...so I dealt with two representatives through the entire process. USAA did confirm that my application was approved and the first representative told me that I was approved for the USAA Rate Advantage MasterCard with a credit line of $6000. A decent credit line, but I was more concerned about the APR, but I didn't find this out...I hope it is good.

After several times being placed on hold and the first representative conferring with the underwriting department...underwriting told them that they cannot confirm that the account was set up. So, underwriting referred the first representative to another office (I think a higher up executive office) and then I was placed on hold, that is when I got disconnected the first time. I called back and spoke to the second representative and he was able to trace back the steps to where I was when I got cut off. He conferred with the higher up office and he had to get TWO specialists on the line to find out what was going on. After being placed on hold for about 15 minutes, he basically came back on and said "At this point we can confirm that you were approved for the account, but we cannot find the account anywhere in our systems (I also cannot see it online).

He then told me to call back next Friday (6/8/2012) as they will take 5 business days to investigate the matter. That is where I stand...

Re: USAA says card application was approved...but problem

Anonymous — Sat, 02 Jun 2012 20:59:13 GMT

Wow. Sorry the process has been so complicated for you. Sounds like just some sort of computer glitch. Good news is you know you have a card coming with a nice CL. Waiting sucks, but congrats!

Re: USAA says card application was approved...but problem

Anonymous — Sat, 02 Jun 2012 23:11:12 GMT

@GeneralCucumbre wrote:
UPDATE: 6/2/2012

So I just got off of a 45 minute phone call with USAA, I got disconnected once and had to call back...so I dealt with two representatives through the entire process. USAA did confirm that my application was approved and the first representative told me that I was approved for the USAA Rate Advantage MasterCard with a credit line of $6000. A decent credit line, but I was more concerned about the APR, but I didn't find this out...I hope it is good.

After several times being placed on hold and the first representative conferring with the underwriting department...underwriting told them that they cannot confirm that the account was set up. So, underwriting referred the first representative to another office (I think a higher up executive office) and then I was placed on hold, that is when I got disconnected the first time. I called back and spoke to the second representative and he was able to trace back the steps to where I was when I got cut off. He conferred with the higher up office and he had to get TWO specialists on the line to find out what was going on. After being placed on hold for about 15 minutes, he basically came back on and said "At this point we can confirm that you were approved for the account, but we cannot find the account anywhere in our systems (I also cannot see it online).

He then told me to call back next Friday (6/8/2012) as they will take 5 business days to investigate the matter. That is where I stand...

Congrats! If you can see the new account when you log in, click on details, and there you'd see your APR.

Re: USAA says card application was approved...but problem

GeneralCucumbre — Sat, 02 Jun 2012 23:39:48 GMT

@Anonymous wrote:
Congrats! If you can see the new account when you log in, click on details, and there you'd see your APR.

That's the thing...USAA is telling me that I was approved, but they cannot find any record of the account. I cannot see it online, before I hung up today...the representative told me that I may have to put in another application.

Re: USAA says card application was approved...but problem

Anonymous — Sat, 02 Jun 2012 23:46:15 GMT

@GeneralCucumbre wrote:
@Anonymous wrote:
Congrats! If you can see the new account when you log in, click on details, and there you'd see your APR.
That's the thing...USAA is telling me that I was approved, but they cannot find any record of the account. I cannot see it online, before I hung up today...the representative told me that I may have to put in another application.

Do not submit another application. That may result in another HP. Let them figure out what's going on.

Re: USAA says app was approved...but (UPDATE)

Anonymous — Sun, 03 Jun 2012 00:55:50 GMT

When I applied for my USAA card a few weeks ago, I had a related issue. I got approved, but the card didn't get sent out (even though I ordered expedited shipping). The first tiem I contacted them they told me to give them '3-5 days'. I told them it had already been 5+ business days and I hadn't seen anything. The next reply then said that there was an issue with something in their system (I wasn't the first one to get that) where the application gets approved but the card never gets sent to card production, so they had to contact their 'back office' and it could take another 7 days. I finally did get the card, it just took them a lot longer than it was supposed to.

So issued with their CC app system don't really seem that rare. Just give them time.

Re: USAA says app was approved...but (UPDATE)

GeneralCucumbre — Sun, 03 Jun 2012 06:52:45 GMT

@Anonymous wrote:
When I applied for my USAA card a few weeks ago, I had a related issue. I got approved, but the card didn't get sent out (even though I ordered expedited shipping). The first tiem I contacted them they told me to give them '3-5 days'. I told them it had already been 5+ business days and I hadn't seen anything. The next reply then said that there was an issue with something in their system (I wasn't the first one to get that) where the application gets approved but the card never gets sent to card production, so they had to contact their 'back office' and it could take another 7 days. I finally did get the card, it just took them a lot longer than it was supposed to.

So issued with their CC app system don't really seem that rare. Just give them time.

That indeed does sound a lot like the situation I am in right now. As a matter of fact, the second office they contacted...they did call it their "back office". They told me to give them a call next Friday (6/8/12) as they said it would take up to 5 business days to see what was going on. Good to know that somebody else was in the same situation I am in and had a good outcome.

By the way, I was told that if I had to put in another application...that it would NOT cost me another inquiry placed on my Equifax file. They said that they could just use the information from the previous application as they hold it for 30 days.

Re: USAA says app was approved...but (UPDATE)

Anonymous — Sun, 03 Jun 2012 07:03:41 GMT

I do not know how USAA works internally, but I am going to try to give you a little hope here My local CU has a loan board and anytime a loan/CLI or CC app is outside the paramters that are set forth in written policy that does not mean the app is rejected. It simply means that the CU employees are not allowed to approve the app, they can however take the app to the loan board and suggest that it be approved. USAA may operate under a similar premise.

Oh and at my CU the loan board, just like the board of directors are volunteers that are elected by the membership.

Re: USAA says app was approved...but (UPDATE)

Anonymous — Wed, 02 Jan 2013 06:40:31 GMT

Off topic but, do you have a partial membership through your grandfather? I keep reading that in order to become a "full member" you would need your grandfather to join, then your father, and they would both have to have insurance through them....

Re: USAA says app was approved...but (UPDATE)

webhopper — Wed, 02 Jan 2013 06:49:28 GMT

My hubby and I tried to do Usaa back in January 2012... we had numerous issues with the credit card app for a secured card as well as verifying my husbands identity. We called customer service a few times without much success in resolving the issue. Anyways we gave up on them and I decided to try for zync and amazon chase. Found out hubby was an nfcu member in march the rest was history.