Anyone know the minimum requirements and reports used for the USAA credit card products?

[JagerBombs89]

I got approved for the Mastercard when I didn't have a FICO score.  I only had 1 active account on my credit file that was open for 2 months.  They pulled EQ and gave me a $500 starting limit. 

[JaseT]

I was approved last night for a USAA Plat MC, $11k CL.

• EQ hard pull
• FICO 782
• 1 INQ
• 2% UTL
• Four 30-day lates on auto loan, most recent being 5 years ago
• Non-military USAA member since May, 2010, with a checking acct and credit monitoring

Hope that helps.

[p-]

Got this today:

___________________

Dear Mr. xxxxxxxxxxx,

Thank you for your interest in a credit card with USAA. At this time, we do not offer a secured credit card. We continually look for ways to improve our products and services for our members and will share your request with management.

You are welcome to apply for a (Mastercard) or (Amex).

 ____________________

Really?  No secured card??

[eparker]

With all the other info you have received, they also take into consideration what accounts you have with them.  I am a member with them but I am not applying just yet.  I want more score to higher for a better chance of approval. 

Accounts meaning, checking, savings, auto insurance, etc. etc.....

Good Luck.....

[p-]

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@eparker wrote:

With all the other info you have received, they also take into consideration what accounts you have with them.  I am a member with them but I am not applying just yet.  I want more score to higher for a better chance of approval. 

Accounts meaning, checking, savings, auto insurance, etc. etc.....

Good Luck.....

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Thanks; I have with them home, auto, & life insurance, as well as a retirement account and checking account.  One reason I want the USAA credit card is it is a prerequisite of you want to scan/email checks for deposit.  My employer doesn't offer direct deposit.

I don't want to get denied, so maybe I'll just wait for my score to go up a bit more.  I'm confused about their response to my secured card request.  I have read other postings here where people claim to have a secured card.

[MrShush]

Really. They don't offer a secured card?! I app'd a way back for the AMEX and was denied for too many inquiries. I called for recon (strong scores and existing cards) and was offered a secured card instead. I think it was a year back.

[haulingthescoreup]

Weren't they running this as some sort of trial program a year ago? Seems like I remember a rash of threads, people trading fax numbers and all, and then it dried up very quickly afterwards.

I don't know if they abandoned it, or if they did a limited enrollment and they're tracking how well the people with secured cards were handling them...

[MrShush]

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@haulingthescoreup wrote:

Weren't they running this as some sort of trial program a year ago? Seems like I remember a rash of threads, people trading fax numbers and all, and then it dried up very quickly afterwards.

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Clearly your memory is better than mine! No way would I remember a thread from a year ago

[Anonymous]

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@p- wrote:

Thanks; I have with them home, auto, & life insurance, as well as a retirement account and checking account.  One reason I want the USAA credit card is it is a prerequisite of you want to scan/email checks for deposit.  My employer doesn't offer direct deposit.

I don't want to get denied, so maybe I'll just wait for my score to go up a bit more.  I'm confused about their response to my secured card request.  I have read other postings here where people claim to have a secured card.

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You would probably get approved for one of their products.

If you are AD military, have a family member who is, or retired military you might also want to try a NFCU account as they are very credit friendly.

[haulingthescoreup]

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@MrShush wrote:

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@haulingthescoreup wrote:

Weren't they running this as some sort of trial program a year ago? Seems like I remember a rash of threads, people trading fax numbers and all, and then it dried up very quickly afterwards.

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Clearly your memory is better than mine! No way would I remember a thread from a year ago

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I have a weird memory. I remember old threads, but I have no idea where my hair clips went.