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Call in luck, divine intervention, whatever you want...but, OMG, Im back in with them!!! (another one scratched off my list)
So, yes, my garden stent was a little shortened, but better than usual, LOL. Every time Ive applied in the past, (yes I know their BK policy, but that usually never stops me from continuing to try), Ive always applied for the card I wanted, and immediately get denied but counter offered their secure card, which I deny. Their policy is if you IIB them, 7 yrs from DC date before they let you have unsecured credit again.
Well, currently they are re-vamping their secured card, and its not even available to apply for, so I started thinking....mmmm, wonder if I apply, and they usually counter the secured, what would happen. So I did...INSTANT APPROVAL!! I was floored! I have no idea why I was approved this time, and earlier than expected, but I have an idea it may have to do with my EX report getting a little better. Last month score was 662 and I still had 6 negative accts, (IIB) showing. This month, I got EE and all 6 were deleted and score jumped to 687, so the only negative showing on that report is my BK in PR, which stays on for 4 more years.
Needless to say, Im very happy and they will be treated well this time around
STATS:
~CO for $7k in 2012, that was IIB in a BK7 2013
~pulled EX- 687
~Overal Util reporting- 1%
~No negative accts, all positive, except BK in PR
~INQ at least 60-80, I have no idea actually, lol
~Been with them since 1991, have car/rental/etc.. and savings.
That's an awesome approval, congrats on the success pizza1!!! Good improvement profile wise also!
Congrats Pizza1! As a non military person and no way to get full membership with USAA, can I still apply for a credit card if I open a checking account with the $25 minimum? I think I once read the APR might be a little higher for non military and full members. My mother was in Viet Nam but she never had insurance with USAA.
Pizza! Pizza! You've been on a roll lately! What gardening? I couldn't tell.😂
Congrats on the USAA win! One of the best lenders out there IMHO.
Congrats that is awesome!!!!!!!
Congratulations!
I need to get on my dad to get insurance with USAA so I can get a credit card 🤣
congrats, youve come so far.
CONGRATU-FREAKING-LATIONS Pizza!!!! I just got in with USAA and I'm loving them!
Congrats and amazing! Do you think they've changed approval guidelines for 2019? Also how do you get any approvals with 60-80 inq's?
@tussking wrote:Congrats and amazing! Do you think they've changed approval guidelines for 2019? Also how do you get any approvals with 60-80 inq's?
Idk..just lucky I guess...and I have a really thick credit report, with virutally no utilzation. Its possible they might be opening doors up to folks who burned them in the past, could be a YMMV situation. Who knows!