@Klineact wrote:I am a USAA member but have no banking relationship with them. I got a pre-selected offer for 0% APR on purchases until April of 25 which is kinda nice. I havent seen much about USAA. As of today my fico's are EX and TU 764 and EQ 797. Not sure which they pull nor which version. I only have 1% Util and one open mortgage and one small personal loan open. Thats it. Have 23 revolving accounts only 2 with small balances. What are the chances with this USAA pre-selected offer? I was recently pre-approved with Navy (I already have a card with them) I took a hard pull and got denied so not really interested in that happening again. Anyway, can anyone speak to typical USAA starting limits? $100K income. Inq past 24 months, EX 6 EQ 9 and TU 5. (Most were for mortgage). My limits on my cards range from $1100 on very old cap one which I should likely close to high $18K with Navy. Only reason I am interested is I have an upcming europe trip in 3 weeks and would love a zero percent card. I could obtain quickly. If not this card if anyone has any better suggestions for a 0% I could app for with my stats please dont hesitate to let me know. (I have 2 Amex delta card, 1 NFCU, 2 Penfed 1 local CU card - these limits all between 10K to 18K with except of one low level amex 3K card. The rest of my cards are store revolvers). I do not have any Chase, BOA, Wells Fargo cards. I had a BK 7 over 13 years ago so chase I think has me on a blacklist or maybe I could get off of it now? Thanks folks!
If I am not mistaken, I believe they use Experian fico 3.
I encourage you to only apply if you have a real need for this card and don't anticipate needing anything it doesn't already offer. USAA doesn't do product changes. With the exception of what seems to be the very rare CLI, any credit limit increase requests will be a hard pull.
