USAA Secured Visa Not BK Friendly

[Andy77]

Hello,

This was my USAA 4 years post ch 7 discharge secured card app experience.

I have been a USAA member for 13 years and the secured card was declined due to "serious delinquincies" , among other reasons which tells me they are not bk friendly if they are counting the delinquent accounts related to a bk in their application decisions and not the 4 plus years of fantastic rebuild. 

[Saleen099]

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@Andy77 wrote:

Hello,

This was my USAA 4 years post ch 7 discharge secured card app experience.

I have been a USAA member for 13 years and the secured card was declined due to "serious delinquincies" , among other reasons which tells me they are not bk friendly if they are counting the delinquent accounts related to a bk in their application decisions and not the 4 plus years of fantastic rebuild. 

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Sorry, that happened. 

USAA to my knowledge is not bankruptcy friendly.  

[NAVYCHOP]

Also from what I hear on this forum, USAA uses some old scoring model such as FICO Mortgage Score 2 for their credit cards.  My FICO 8 is 806, my FICO 9 is 838 but my FICO Mortgage 2 is something like 747.  Their old scoring model may be hammering you for a bankruptcy until it completely drops off your report.

[CookieMonster1]

Sorry for that but I think it's just time that's a factor. I got back in with a bk (of which they were included!) just under 5yrs post discharge so I know there is hope. Hang in there! 
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/USAA-Signature-Visa-Approved-w-bk-7-on-CR/td-...