myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Need advice on app spree

tag
Get Access Now
johnpalley
Established Contributor
‎03-13-2015 07:21 AM
‎03-13-2015 07:21 AM

Re: Need advice on app spree

@Anonymous wrote:
@johnpalley wrote:
@baller4life wrote:
All you can do is try I suppose. Call back and talk to different rep maybe even ask for a supervisor. If you can get the card, I can't see them snatching it back later. Maybe the girl you just spoke to didn't know what she was talking about. It happens. Or maybe the person you first talked to didn't know what they were talking about. But Irish just said limited members can't get cards. So IDK sorry.

the woman on the phone put me on hold for 20 min and then came on the phone, started mumbling over and over and sounded like she had no idea what she was talking about. at one point she said i could apply right now but i was scared too. then she took it back. im gonna call them back and see if the'l take the app

Beating a dead horse here :-/

your not clear on what your saying, what if they take the app??? are you saying they wont?? what if they do?? thats what im asking. i know the site wont accept it im talkin about over the phone. do you have an answer for me?

Message 121 of 140
0 Kudos
baller4life
Super Contributor
‎03-13-2015 07:28 AM
‎03-13-2015 07:28 AM

Re: Need advice on app spree

Irish is saying they won't take it. Whomever told you that was mistaken. Limited members aren't eligible for any of their credit cards. I'm very sorry. Smiley Sad
Message 122 of 140
0 Kudos
Anonymous
Not applicable
‎03-13-2015 07:31 AM
‎03-13-2015 07:31 AM

Re: Need advice on app spree

@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@baller4life wrote:
All you can do is try I suppose. Call back and talk to different rep maybe even ask for a supervisor. If you can get the card, I can't see them snatching it back later. Maybe the girl you just spoke to didn't know what she was talking about. It happens. Or maybe the person you first talked to didn't know what they were talking about. But Irish just said limited members can't get cards. So IDK sorry.

the woman on the phone put me on hold for 20 min and then came on the phone, started mumbling over and over and sounded like she had no idea what she was talking about. at one point she said i could apply right now but i was scared too. then she took it back. im gonna call them back and see if the'l take the app

Beating a dead horse here :-/

your not clear on what your saying, what if they take the app??? are you saying they wont?? what if they do?? thats what im asking. i know the site wont accept it im talkin about over the phone. do you have an answer for me?

I have been trying to give you an answer.  If you're not eligible for full membership in USAA, then you can't get one of their credit cards.  Even if a misinformed rep takes your application, it will eventually be rejected.  I understand wanting to get one of their cards.  It is a great company but sadly they are very restrictive who can join.  I didn't read thru this whole thread so I don't know your entire situation but if you can be approved for a USAA credit card (assuming you were eligible) then there are other options out there as USAA is very conservative in their credit department

Message 123 of 140
0 Kudos
johnpalley
Established Contributor
‎03-13-2015 07:31 AM
‎03-13-2015 07:31 AM

Re: Need advice on app spree

thats still not gonna stop me from trying. i just want to know if i should apply if they let me. he wont answer that. im calling them back now

Message 124 of 140
0 Kudos
johnpalley
Established Contributor
‎03-13-2015 07:33 AM
‎03-13-2015 07:33 AM

Re: Need advice on app spree

@Anonymous wrote:
@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@baller4life wrote:
All you can do is try I suppose. Call back and talk to different rep maybe even ask for a supervisor. If you can get the card, I can't see them snatching it back later. Maybe the girl you just spoke to didn't know what she was talking about. It happens. Or maybe the person you first talked to didn't know what they were talking about. But Irish just said limited members can't get cards. So IDK sorry.

the woman on the phone put me on hold for 20 min and then came on the phone, started mumbling over and over and sounded like she had no idea what she was talking about. at one point she said i could apply right now but i was scared too. then she took it back. im gonna call them back and see if the'l take the app

Beating a dead horse here :-/

your not clear on what your saying, what if they take the app??? are you saying they wont?? what if they do?? thats what im asking. i know the site wont accept it im talkin about over the phone. do you have an answer for me?

I have been trying to give you an answer.  If you're not eligible for full membership in USAA, then you can't get one of their credit cards.  Even if a misinformed rep takes your application, it will eventually be rejected.  I understand wanting to get one of their cards.  It is a great company but sadly they are very restrictive who can join.  I didn't read thru this whole thread so I don't know your entire situation but if you can be approved for a USAA credit card (assuming you were eligible) then there are other options out there as USAA is very conservative in their credit department

ok you finally answered my question, il get rejected later now i know. i was pretty confident i could get them to take the app but i wont try now

Message 125 of 140
0 Kudos
Anonymous
Not applicable
‎03-13-2015 07:40 AM
‎03-13-2015 07:40 AM

Re: Need advice on app spree

@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@baller4life wrote:
All you can do is try I suppose. Call back and talk to different rep maybe even ask for a supervisor. If you can get the card, I can't see them snatching it back later. Maybe the girl you just spoke to didn't know what she was talking about. It happens. Or maybe the person you first talked to didn't know what they were talking about. But Irish just said limited members can't get cards. So IDK sorry.

the woman on the phone put me on hold for 20 min and then came on the phone, started mumbling over and over and sounded like she had no idea what she was talking about. at one point she said i could apply right now but i was scared too. then she took it back. im gonna call them back and see if the'l take the app

Beating a dead horse here :-/

your not clear on what your saying, what if they take the app??? are you saying they wont?? what if they do?? thats what im asking. i know the site wont accept it im talkin about over the phone. do you have an answer for me?

I have been trying to give you an answer.  If you're not eligible for full membership in USAA, then you can't get one of their credit cards.  Even if a misinformed rep takes your application, it will eventually be rejected.  I understand wanting to get one of their cards.  It is a great company but sadly they are very restrictive who can join.  I didn't read thru this whole thread so I don't know your entire situation but if you can be approved for a USAA credit card (assuming you were eligible) then there are other options out there as USAA is very conservative in their credit department

ok you finally answered my question, il get rejected later now i know. i was pretty confident i could get them to take the app but i wont try now

As much as I like USAA, try not to be too disappointed.  USAA is not known for their credit products but for their insurance offerings.  There really are better options out there for credit cards.  Look around at the various credit unions.  A lot of very good ones have backdoor membership and offer great cards with limits that tend to be higher than regular banks.

Message 126 of 140
johnpalley
Established Contributor
‎03-13-2015 07:44 AM
‎03-13-2015 07:44 AM

Re: Need advice on app spree

@Anonymous wrote:
@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@Anonymous wrote:
@johnpalley wrote:
@baller4life wrote:
All you can do is try I suppose. Call back and talk to different rep maybe even ask for a supervisor. If you can get the card, I can't see them snatching it back later. Maybe the girl you just spoke to didn't know what she was talking about. It happens. Or maybe the person you first talked to didn't know what they were talking about. But Irish just said limited members can't get cards. So IDK sorry.

the woman on the phone put me on hold for 20 min and then came on the phone, started mumbling over and over and sounded like she had no idea what she was talking about. at one point she said i could apply right now but i was scared too. then she took it back. im gonna call them back and see if the'l take the app

Beating a dead horse here :-/

your not clear on what your saying, what if they take the app??? are you saying they wont?? what if they do?? thats what im asking. i know the site wont accept it im talkin about over the phone. do you have an answer for me?

I have been trying to give you an answer.  If you're not eligible for full membership in USAA, then you can't get one of their credit cards.  Even if a misinformed rep takes your application, it will eventually be rejected.  I understand wanting to get one of their cards.  It is a great company but sadly they are very restrictive who can join.  I didn't read thru this whole thread so I don't know your entire situation but if you can be approved for a USAA credit card (assuming you were eligible) then there are other options out there as USAA is very conservative in their credit department

ok you finally answered my question, il get rejected later now i know. i was pretty confident i could get them to take the app but i wont try now

As much as I like USAA, try not to be too disappointed.  USAA is not known for their credit products but for their insurance offerings.  There really are better options out there for credit cards.  Look around at the various credit unions.  A lot of very good ones have backdoor membership and offer great cards with limits that tend to be higher than regular banks.

yeah and they want proof of income too which means im out

Message 127 of 140
0 Kudos
johnpalley
Established Contributor
‎03-13-2015 07:44 AM
‎03-13-2015 07:44 AM

Re: Need advice on app spree

damn this really puts a wrench in my plans cause most of the cards im applying for i have unpaid charge offs from 8-9 years ago. barclays, citi, and usaa are the only cards that i dont have unpaid charge offs with so i was banking on getting those 3 incase things went wrong with the rest. i think its a good sign though that ive been getting preselected offers in the mail from discover, chase, and bofa which i have unpaid charge offs with. baller do you think that means im off there blacklists because of the offers?

Message 128 of 140
0 Kudos
baller4life
Super Contributor
‎03-13-2015 07:47 AM
‎03-13-2015 07:47 AM

Re: Need advice on app spree

If you have actual pre-selected offers with exact apr being offered and not a range, I would say that's a good sign.
Message 129 of 140
johnpalley
Established Contributor
‎03-13-2015 08:01 AM
‎03-13-2015 08:01 AM

Re: Need advice on app spree

do you think i should try citi first or discover? i have no unpaid co's with citi

Message 130 of 140
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.