USAA Rate Advantage Visa Platinum APPROVED!

[chiefone4u]

For the past 3 days I kept receiving email invites to apply for the USAA Rate Advantage Visa Platinum card.

I kept ignoring them because everywhere I looked said USAA was extremely inquiry and new account sensitive.

When they sent me my second email inviting me to apply today I figured "why not?"

Instant approval! $3,000 SL! 26.15%APR

Limit is on par for starting limits for me (highest SL and current Visa/MC limit is Costco at $5,500 -- all others $3k). The APR happens to be my highest non-synchrony others hover around 19%.

They pulled Experian (live in Idaho).
Fico8: 702
32 inquiries (last 12 months)
AAoA: 2 years 7 months
AoYA: 1 month (3 cards opened first week of April)
Accounts with balance: 24
Collective Utilization: 11%
Highest individual Utilization: 65%

(Edited to add extra DP's)

[credit_is_crack]

Congrats on the new USAA Card!! I’m a HUGE fan of them and they’re my primary bank. They don’t seem to be inquiry or new account sensitive from what I’ve seen. They had my first secured card 4 years ago when I started my rebuild and over time I expanded to unsecured cards totaling $53,000... it will grow!!

Congrats @chiefone4u!!

[Anonymous]

Congrats on your USAA Visa approval! 

[AverageJoesCredit]

All hail the Chief

[Anonymous]

Congrats on your approval !!!!!!

[pinkandgrey]

Nice approval. Congrats!

[Namaste7]

OP, congrats on the approval.

Shame on USAA for calling a card “Rate Advantage” but offering a 26% APR. All lies. Honestly... Truly...

[Anonymous]

Congrats!  Hopefully you can convicne them to pull that rate down a little over time.

[chiefone4u]

I sure hope they don't keep me at that high of an APR... I'd much rather have the the 9.x% they advertised in my email! (The terms and conditions during app did say it could be as high as they gave me -- so not a complete lie).

[Cred4All]

Obviously if you PIF that won't matter a single bit, however, that is a tad high.  Either way CONGRATS on the new addition!