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USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

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Regular Contributor

USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

 

 

So, a few of you may remember that I recently closed my USAA cc over the dissatisfaction with the SL. I then immediately received a nice SL of $25,000 from Navy Fed for the Go 'Rewards. Here's the thing. Sometimes the SL you get just doesn't make sense. There isn't always a logical reason for it. The analyst could be having a bad day or there may certain criteria at the moment you apply. For example: the company may be tightening things up or loosening them up. I reapplied with fico scores that have dropped, due to a recent app spree. Three new accounts and a few new inquiries. However, only a few months later my SL is $9,000 more for the same card. 

      What I've learned is with the same fico scores, one financial institution will sing praises, while another say you have too many accounts, too few accounts, too little available credit, too much available credit... An analyst, like a lawyer, can spin anything. If you have excellent credit, know your worth and stand your ground. Don't give up. Write letters, talk to someone higher up the ladder and you will eventually get the results you were seeking. Two times a charm!!! Smiley Happy

 

PS. Oh and BTW... My new name is Gardener Flex1! Having said that, the app spree paid off very handsomely. It was well worth the risks... At this point, I have all the cards I need. 

10 REPLIES 10
Senior Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Congrats on your approval and very nice SL !!!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 11
Valued Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Gardener Flex1...

awesome congratulations GIF by Slanted StudiosCONGRATS on the Approval and the AWESOME SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 11
Valued Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Congrats on your approval and that's a great SL!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 4 of 11
Valued Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Congrats on the approval!  5% on gas all year is great.

 FICO 8
Message 5 of 11
New Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Congrats!
Message 6 of 11
Regular Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!


@Overmedicated wrote:

Congrats on the approval!  5% on gas all year is great.


It sure is!!!!!!! In fact, it's quite amazing! 5% is significant. Smiley Happy

Message 7 of 11
Frequent Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Nice one! Congrats.
Message 8 of 11
Regular Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Thank you Marz2002!
Message 9 of 11
Established Contributor

Re: USAA Amex Cash Back Rewards Approval $10,000!!!!!!!!!!!!

Congrats  on the USAA approval!!!!











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Message 10 of 11
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