topic Re: USAA in Credit Cards

USAA

Anonymous — Thu, 13 Dec 2012 18:13:37 GMT

I have a platinum with usaa and was told this card will not be eligible for increase at all has anyone had this happen I have never been late ot had high amounts

Re: USAA

namvet — Thu, 13 Dec 2012 18:49:52 GMT

IME that statement is not true. What was the source of that information?

Re: USAA

Cdnewmanpac — Thu, 13 Dec 2012 18:57:34 GMT

Is this a secured card or an unsecured card? Unsecured USAA do not graduate, don't get cli. The others all do, if your score improves.

Re: USAA

Anonymous — Thu, 13 Dec 2012 19:27:19 GMT

I called and it is a unsecured and was told not eligible because of type of platinum I am confused

Re: USAA

Anonymous — Thu, 13 Dec 2012 20:01:25 GMT

I am a full usaa member and was told the same thing last month. I didn't understand it either. I was advised apply for another usaa card. I applied for the World MasterCard and was approved.

Re: USAA

Anonymous — Thu, 13 Dec 2012 20:29:34 GMT

I ask for increase and was told i have to wait 6 months I also ask if i can combine credit limits since i have

World master card Usaa Visa Platinum and the Amex they said it can not be combine and was told to ask for a credit line increase?

Re: USAA

Revelate — Thu, 13 Dec 2012 20:40:51 GMT

@Anonymous wrote:
I called and it is a unsecured and was told not eligible because of type of platinum I am confused

Even the same credit card granted at different times (or also from different places, such as acquisitions... Chase is notorious for having 1203984 versions of their Freedom) can have different underwriting standards but also different product restrictions. It's entirely possible that you acquired the card during a phase where USAA had limitations on this one particular card for whatever reason. Traditionally lenders don't automatically upgrade you to the "new hotness" when they change a card's standards.

Somewhat aggravating but there isn't a lot which can be done unfortunately in this case.

Re: USAA

Anonymous — Thu, 13 Dec 2012 20:43:54 GMT

Thank you all for responding do you think it is best to apply for the world mastercard or just try to pay it down

Re: USAA

Anonymous — Thu, 13 Dec 2012 21:00:20 GMT

I got the world mastercard with EQ 682 and about 50 percent utl. My income is 66000. May this will help. Good luck!

Re: USAA

AF_23 — Thu, 13 Dec 2012 21:04:50 GMT

Thats pretty strange

Re: USAA

Anonymous — Thu, 13 Dec 2012 21:19:02 GMT

I was not expecting to get approved but I guess they take care of their members. They gave me a 10000 limit my highest before was 2000.

Re: USAA

Anonymous — Thu, 13 Dec 2012 21:27:06 GMT

well if your EQ is sitting at 625 then I can see why they are telling you that you are not eligible for an increase

Re: USAA

Anonymous — Thu, 13 Dec 2012 21:57:46 GMT

Thank you I called and they said I could apply in the future for a different card which I plan on doing I did not want them to run my credit report since I am trying to get a better score, I am with NFCU and have the visa and navcheck do you think it is better to pay off the usaa and close it or just not use?

Re: USAA

Anonymous — Thu, 13 Dec 2012 22:17:01 GMT

@Anonymous wrote:
Thank you I called and they said I could apply in the future for a different card which I plan on doing I did not want them to run my credit report since I am trying to get a better score, I am with NFCU and have the visa and navcheck do you think it is better to pay off the usaa and close it or just not use?

keep USAA open youre already in with them just pay down balance and let time take it's course the longer you have a relationship with the better they will be to you,

Re: USAA

Anonymous — Thu, 13 Dec 2012 22:25:32 GMT

Thank you I think my plan now after everyone's help is to pay it down I actually owe 800