USAA vs NFCU Approval Odds

[Anonymous]

I am interested in getting a credit card from either USAA or Navy Federal. The cards I am looking at are standard 1.5% cash back cards. I have a very, very thin credit file and I have seen that USAA tends to be a very conservative lender. Between USAA and NFCU, which one is generally easier to get approved for? If I am not approved for the card I applied for, do they tend to offer a different card or do I need to submit an entirely new application for something with better approval odds?

Thank you for your help!

[jaxstraw]

NFCU is far easier to get than USAA.

Not sure if either counteroffer with a different card on the same pull.

You say you have a thin file but more data points would be nice.

Scores ?

Any derogatory info ?

Current credit cards and loans ?

[FinStar]

Hi @Anonymous and welcome to the forums.

Are you currently a member of either NFCU or USAA?

[Anonymous]

Thank you, I am happy to be here!

I am currently a member of USAA. I am not currently a member of NFCU but plan to join some time this year.

[Anonymous]

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@jaxstraw wrote:

NFCU is far easier to get than USAA.

Not sure if either counteroffer with a different card on the same pull.

You say you have a thin file but more data points would be nice.

Scores ?

Any derogatory info ?

Current credit cards and loans ?

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I am brand new to credit. I have one secured card with a credit union (not NFCU) and have had it for seven months. According to Experian my FICO score is 734. I have no loans or derogatory information.

[jaxstraw]

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@Anonymous wrote:

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@jaxstraw wrote:

NFCU is far easier to get than USAA.

Not sure if either counteroffer with a different card on the same pull.

You say you have a thin file but more data points would be nice.

Scores ?

Any derogatory info ?

Current credit cards and loans ?

---

I am brand new to credit. I have one secured card with a credit union (not NFCU) and have had it for seven months. According to Experian my FICO score is 734. I have no loans or derogatory information.

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Thanks.

You probably stand a reall good chance with NFCU ( once you become a member) for your second CC.

I'd consider USAA six months to year after that if you want their products 

[Anonymous]

Thank you for your help!