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USAA - Surprise Approval

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LifeIsAHighway
Contributor

USAA - Surprise Approval

Hey all,

 

I created a profile, by phone, with USAA maybe 4 or 5 years ago using my dad's veteran info. I say profile because I had no interest in a banking relationship with them, only in checking homeowner & auto insurance rates. I've checked those rates a couple of times & they can't come close to beating my current premiums. So, that's the extent of my dealings with USAA...essentially they have my info on file & nothing else.

 

Since creating my profile with them, I have received occasional emails regarding their various products. However, in the last 2-3 months they have really ramped up the # of snail mail & emails encouraging me to apply for one of their credit cards. I'm talking 2-3 mailers/emails per week. I thought this was unusual as I've always read/heard that USAA is fairly conservative & is relationship oriented.

 

Anyway, I finally decided to try the pre-approval tool on their website & it came back showing pre-approved on multiple cards. No credit limit is indicated until you complete the application. I pulled the trigger on their newest product, the Eagle Adapt VS, as it had the best perks IMO. I got an instant approval for $20k. I was shocked but very happy with the SL.

 

 

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Everyone have a great weekend!

LifeIsAHighway - Enjoy the journey.Smiley Happy

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:


Total CC CL $172,850 + HELOC CL $60,000 = Total CL $232,850

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 07-2026


Fico 9 Scores - 07-2026
10 REPLIES 10
Vinjints
Established Contributor

Re: USAA - Surprise Approval

Congrats on the card and the great SL. I hear ya on the products, I only have my CC with them due to age and because they don't allow PC.

 

However, on the insurance front, I know I'm paying more than I could probably get elsewhere, but with relatively new drivers in the house and the minor fender benders they've been having the last couple of years, I have not had any issue with getting repairs paid for and covered. I think on the third incident, they bumped my rate, but the first two didn't affect anything.

NFCU OG Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Message 2 of 11
LivingTheAmericanDream
Frequent Contributor

Re: USAA - Surprise Approval

Congrats!
   
 
 

  
Message 3 of 11
JoeRockhead
Community Leader
Super Contributor

Re: USAA - Surprise Approval

Very nice SL, congratulations on your approval!

Message 4 of 11
Jeffster1
Valued Contributor

Re: USAA - Surprise Approval

Congrats! 🎉. USAA rocks.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I Citi Costco Anywhere Visa 10.2K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K
Message 5 of 11
Copenix
Frequent Contributor

Re: USAA - Surprise Approval

Nice. Congrats on your approval and sweet SL.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $120K | Utilization 0.9%

FICO 8s August 2026


Message 6 of 11
coreyb80
Super Contributor

Re: USAA - Surprise Approval

Congrats on the strong approval!

Message 7 of 11
cashorcharge
Community Leader
Super Contributor

Re: USAA - Surprise Approval

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Message 8 of 11
gingerflower
Senior Contributor

Re: USAA - Surprise Approval

@LifeIsAHighway Congratulations nice SL!

Message 9 of 11
SusanJA
Established Member

Re: USAA - Surprise Approval

Congrats! Curiosity pays off Smiley Happy

Message 10 of 11
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